5690 Merlin Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5690 Merlin Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,047 sqft · built 2002
Lot Size	0.466 acres (20,298 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Nov 2021)
Tax Bill	$5,569 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0032-0001-0190`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0032-0001-0190`
Alternative APNs	`263023003200010190` `87090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,047 sqft Living Area
Gross Area	2,835 sqft
1st Floor Area	2,047 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,298 sqft (0.466 acres)
Lot Dimensions	211 ft deep x 95.7 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	312 sqft
Porch	Finished/Open Porch
Porch Area	368 sqft
Deck Area	249 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5690 MERLIN WAY
City	SAINT CLOUD
State	FL
Zip	34772-7047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	CAMELOT UNIT 4 PB 6 PG 44 LOT 19
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CAMELOT UNIT 4
Legal Tract	32
Legal Block	190
Legal Lot Number	19
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43304

Owner

Source: Osceola County records, as of March 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5690 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Nov 22, 2021	Warranty Deed, Transfer · Conventional Mortgage CLIFFCO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	Dec 12, 2016 · Amount on Record
Deed Document Number	2021181175
Deed Book / Page	6092 / 888
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5690 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5690 MERLIN WAY, SAINT CLOUD, FL 34772-7047

Mortgage

Document Number	0068881442
Date	Dec 3, 2025
Book Page	6888/1442
Instrument	2025148095

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	168 Months
Due	Dec 2, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 22, 2021
Property Address	5690 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Document Number	0060920888
Book / Page	6092 / 888
Map Reference	MB 6 PG 44
Instrument Date	Nov 1, 2021
Instrument	2021181175
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	METES AND BOUND TITLE COMPANY, METES AND BOUNDS TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16017 JOHNS LAKE RD, CLERMONT, FL 34711-9013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5690 MERLIN WAY, SAINT CLOUD, FL 34772-7047

Mortgage

Document Number	0006092889
Date	Nov 22, 2021
Instrument	6092/889

Lender

Name	CLIFFCO INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,569.00 (+3.42%) Homeowner's exemption	$354,026 (+5.99%)	$416,600 (+11.57%) Land $85,000 Building $331,600
2024	$5,385.00 (+2.45%)
2023	$5,256.00 (+3.36%) Homeowner's exemption	$334,029 (+3%)	$373,400 (+15.14%) Land $70,000 Building $303,400
2022	$5,085.00 Homeowner's exemption	$324,300 Land $65,000 Building $259,300	$324,300 Land $65,000 Building $259,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: AT&T, Xfinity.

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