1492 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1492 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,323 sqft · built 2014
Lot Size	0.144 acres (6,272 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,815 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0842-0001-3120`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0842-0001-3120`
Alternative APNs	`253131084200013120` `153561`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,323 sqft Living Area
Gross Area	3,140 sqft
1st Floor Area	2,323 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,272 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	346 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1492 CATERPILLAR ST
City	SAINT CLOUD
State	FL
Zip	34771-7525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	TURTLE CREEK PH 1B PB 19 PG 189-191 LOT 312
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1B
Legal Phase	1B
Legal Tract	842
Legal Block	1
Legal Lot Number	312
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43600

Owner

1492 Caterpillar St is owner-occupied and held in a trust since November 2024.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Trust Names on File
Mailing Address	1492 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · FHA Mortgage MY MORTGAGE INC
Dec 20, 2019	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019
Deed Sale	Dec 20, 2019
Prior Sale	Nov 26, 2014 · Amount on File
Deed Document Number	2019165525
Deed Book / Page	5644 / 2686
Last Transfer Date	Nov 8, 2024
Transfer Doc	0067092214
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1492 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1492 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525

Mortgage

Document Number	0061272875
Date	Jan 12, 2022
Book Page	6127/2875
Instrument	2022006689

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company
Address	CROFTON, MD 21114

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2019
Property Address	1492 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525
Document Number	0056442686
Book / Page	5644 / 2686
Map Reference	MB 19 PG 189-191
Instrument Date	Dec 5, 2019
Instrument	2019165525
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1492 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525

Mortgage

Document Number	0056442688
Date	Dec 20, 2019
Instrument	5644/2688

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1492 Caterpillar St was $3,815, up 3.6% from the year before.

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	$3,815.00 (+3.58%)	$261,022	$380,500 Land $75,000 Building $305,500
2024	$3,683.00 (+2.7%)
2023	$3,586.00 (+1.3%) Homeowner's exemption Widower's exemption	$246,278 (+3%)	$379,200 (+14.11%) Land $65,000 Building $314,200
2022	$3,540.00 Homeowner's exemption Widower's exemption	$239,105	$332,300 Land $60,000 Building $272,300

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

Flood

FEMA maps place 1492 Caterpillar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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

Wildfire risk around 1492 Caterpillar St is moderate, ranking above 43% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, CenturyLink.

Nearby Properties on Caterpillar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures