1498 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1498 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,323 sqft · built 2014
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Sep 2021)
Tax Bill	$5,541 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0842-0001-3150`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0842-0001-3150`
Alternative APNs	`253131084200013150` `153564`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,323 sqft Living Area
Gross Area	3,105 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	6,098 sqft (0.14 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	311 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1498 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 315 AND MINERAL RIGHTS
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1B
Legal Phase	1B
Legal Tract	842
Legal Block	3150
Legal Lot Number	315
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43600

Owner

1498 Caterpillar St is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1498 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 9, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 28, 2020	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2021 · Amount on File
Deed Sale	Sep 9, 2021 · Amount on File
Prior Sale	Dec 28, 2020 · Amount on File
Deed Document Number	2021140310
Deed Book / Page	6040 / 1212
Prior Transfer Date	Dec 21, 2020
Prior Transfer Doc	0058591013
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 9, 2021
Property Address	1498 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525
Document Number	0060401212
Book / Page	6040 / 1212
Map Reference	MB 19 PG 189-191
Instrument Date	Sep 2, 2021
Instrument	2021140310
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1070 SW 12TH ST, 1070, BOCA RATON, FL 33486-5491

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1498 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525

Mortgage

Document Number	0060401214
Date	Sep 9, 2021
Instrument	6040/1214

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 28, 2020
Property Address	1498 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525
Document Number	0058591013
Book / Page	5859 / 1013
Map Reference	MB 19 PG 189-191
Instrument Date	Dec 21, 2020
Instrument	2020175780
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1556 ALLIGATOR ST, 1556, SAINT CLOUD, FL 34771-7540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1498 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525

Mortgage

Document Number	0058591015
Date	Dec 28, 2020
Instrument	5859/1015

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1498 Caterpillar St was $5,541 with a homeowner's exemption, up 3.4% 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	$5,541.00 (+3.4%) Homeowner's exemption	$352,479	$377,300 Land $75,000 Building $302,300
2024	$5,359.00 (+2.47%)
2023	$5,230.00 (+3.38%) Homeowner's exemption	$332,569 (+3%)	$376,200 (+13.97%) Land $65,000 Building $311,200
2022	$5,059.00 Homeowner's exemption	$322,883	$330,100 Land $60,000 Building $270,100

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

Flood

FEMA maps place 1498 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 1498 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