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1509 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1509 Caterpillar St, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,899 sqft · built 2016
Lot Size0.169 acres (7,361 sqft)
OwnerIndividual Name on File
Last Sale$479,900 (Nov 2022)
Tax Bill$6,857 (2025)
Deeds & MortgagesNov 2022 Sale & Mortgage
Dec 2018 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN31-25-31-0842-0001-2920

Property Details

APN / Parcel Number

Primary APN31-25-31-0842-0001-2920
Alternative APNs
  • 253131084200012920
  • 153541

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,899 sqft Living Area
Gross Area3,760 sqft
1st Floor Area1,219 sqft
Upper Floors Area1,680 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleConventional
Exterior MaterialCombination
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,361 sqft (0.169 acres)
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area378 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1509 CATERPILLAR ST
CitySAINT CLOUD
StateFL
Zip34771-7528
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTURTLE CREEK PH 1B PB 19 PG 189-191 LOT 292
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK PH 1B
Legal Phase1B
Legal Tract842
Legal Block2920
Legal Lot Number292
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2003
Census Tract43600

Owner

Source: Osceola County records · APN 31-25-31-0842-0001-2920

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address1509 CATERPILLAR ST, SAINT CLOUD, FL 34771-7528
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Woman, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Nov 02, 2022Warranty Deed, Transfer · Conventional Mortgage
CITIZENS BANK NA
Dec 18, 2018Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Dec 16, 2018Loan Modification, Mortgage · Conventional Mortgage
PENNYMAC
Aug 24, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 02, 2022 · Amount on Record
Deed SaleNov 02, 2022 · Amount on Record
Prior SaleApr 01, 2016 · Amount on Record
Deed Document Number2022161543
Deed Book / Page6310 / 409
Prior Transfer DateAug 24, 2018
Prior Transfer Doc0053902996
Record UpdatedJun 08, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 02, 2022
Property Address1509 CATERPILLAR ST, SAINT CLOUD, FL 34771-7528
Document Number0063100409
Book / Page6310 / 409
Map ReferenceMB 19 PG 189-191
Instrument DateOct 24, 2022
Instrument2022161543
Transaction TypeTransfer
Record UpdatedNov 22, 2022
Title CompanyPREMIER TITLE AGENCY SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,359.30
Amount AccuracyFull Amount Stated
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1509 CATERPILLAR ST, 1509, SAINT CLOUD, FL 34771-7528

Transferred To (Grantee/Buyer)

NameVerified Name
Address1509 CATERPILLAR ST, SAINT CLOUD, FL 34771-7528

Mortgage

Document Number0063100411
DateNov 02, 2022
Book Page6310/411
Instrument2022161544
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2052

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1509 CATERPILLAR ST, SAINT CLOUD, FL 34771-7528
Document Number0055040526
Instrument DateDec 18, 2018
Transaction TypeMortgage
Record UpdatedFeb 28, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1509 CATERPILLAR ST ST CLOUD FL 347717528, ST CLOUD, FL 34771-7528

Mortgage

Document Number0055040526
DateApr 08, 2019
Book Page005504/000526
Instrument43897
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 07, 2049

December 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1509 CATERPILLAR ST, SAINT CLOUD, FL 34771-7528
Document Number0055001591
Instrument DateDec 16, 2018
Transaction TypeMortgage
Record UpdatedApr 16, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1509 CATERPILLAR ST ST CLOUD FL 347717528, ST CLOUD, FL 34771-7528

Mortgage

Document Number0055001591
DateApr 02, 2019
Book Page005500/001591
Instrument40631
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2049

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateAug 24, 2018
Property Address1509 CATERPILLAR ST, SAINT CLOUD, FL 34771-7528
Document Number0053902996
Book / Page005390 / 002996
Instrument DateAug 24, 2018
Instrument129521
Transaction TypeTransfer
Record UpdatedSep 12, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1509 CATERPILLAR ST ST CLOUD FL 347717528, ST CLOUD, FL 34771-7528

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,857.00 (-3.27%) Homeowner's exemption$426,000 (-2.54%) Land $75,000 Building $351,000$426,000 (-2.54%) Land $75,000 Building $351,000
2024$7,089.00 (-0.34%)
2023$7,113.00 (+17.51%) Homeowner's exemption$437,100 (+14.48%) Land $65,000 Building $372,100$437,100 (+14.48%) Land $65,000 Building $372,100
2022$6,053.00$381,800 Land $60,000 Building $321,800$381,800 Land $60,000 Building $321,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 148 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies148 in force
133 of 148 on primary residences
Nearby Flood Claims5 (2016–2022)
Most Recent ClaimOct 2022, river or lake flooding, Hurricane Ian
Flood Events
  • Hurricane Irma (Sep 2017), 2 claims

Wildfire

Wildfire RiskModerate
above 44% of the US · above 14% of Florida
Wildfire LikelihoodAbout 1 in 1,136 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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