1495 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1495 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,024 sqft · built 2014
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Sep 2020)
Tax Bill	$5,200 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0842-0001-3060`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0842-0001-3060`
Alternative APNs	`253131084200013060` `153555`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,024 sqft Living Area
Gross Area	3,858 sqft
1st Floor Area	2,122 sqft
Upper Floors Area	902 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	372 sqft
Patio Area	800 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1495 CATERPILLAR ST
City	SAINT CLOUD
State	FL
Zip	34771-7526
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 306
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1B
Legal Phase	1B
Legal Tract	842
Legal Block	3060
Legal Lot Number	306
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2002
Census Tract	43600

Owner

1495 Caterpillar St is owned and occupied by two individuals who bought it in September 2020.

Source: Osceola County records, as of July 13, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1495 CATERPILLAR ST, SAINT CLOUD, FL 34771-7526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Sep 4, 2020	Warranty Deed, Transfer · VA Mortgage NORTHPOINT MORTGAGE INC
May 30, 2019	Warranty Deed, Transfer · Conventional with PMI LOANLEADERS/AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Prior Sale	May 30, 2019 · Amount on File
Deed Document Number	2020117932
Deed Book / Page	5787 / 2291
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1495 CATERPILLAR ST, SAINT CLOUD, FL 34771-7526
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1495 CATERPILLAR ST, SAINT CLOUD, FL 34771-7526

Mortgage

Document Number	0061700427
Date	Mar 14, 2022
Book Page	6170/427
Instrument	2022040108

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Aug 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 4, 2020
Property Address	1495 CATERPILLAR ST, SAINT CLOUD, FL 34771-7526
Document Number	0057872291
Book / Page	5787 / 2291
Map Reference	MB 19 PG 189
Instrument Date	Jul 27, 2020
Instrument	2020117932
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 NAGLE AVE APT 36, 137, NEW YORK, NY 10040-1442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1495 CARTERPILLAR STREET, SAINT CLOUD, FL 34771-7526

Mortgage

Document Number	0057872293
Date	Sep 4, 2020
Instrument	5787/2293

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2019
Property Address	1495 CATERPILLAR ST, SAINT CLOUD, FL 34771-7526
Document Number	0055322096
Book / Page	005532 / 002096
Instrument Date	May 24, 2019
Instrument	69764
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	GOLDSTAR TITLE COMPANY, GOLDSTAR TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,331.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1495 CATERPILLAR ST ST CLOUD FL 347717526, ST CLOUD, FL 34771-7526

Mortgage

Document Number	55322098
Date	May 30, 2019
Book Page	005532/002098
Instrument	69765

Lender

Name	LOANLEADERS/AMERICA
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

Interest

Rate Type	Adjustable Rate
Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 1495 Caterpillar St was $5,200 with exemptions applied.

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	$5,200.00 Homeowner's exemption Veteran's exemption	$338,447	$444,200 Land $75,000 Building $369,200
2023	$4,902.00 (+3.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$319,330 (+3%)	$456,000 (+14.23%) Land $65,000 Building $391,000
2022	$4,737.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$310,030	$399,200 Land $60,000 Building $339,200

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

Flood

FEMA maps place 1495 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 1495 Caterpillar St is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% 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.

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