Osceola County property record for 1510 Caterpillar St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,082 sqft · built 2016 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $335,000 (May 2021) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 153580 |
| Primary APN | 153580 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,082 sqft Heated Area |
| Gross Area | 2,843 sqft |
| 1st Floor Area | 828 sqft |
| Upper Floors Area | 1,254 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 503 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 258 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 153580 |
|---|---|
| Street Address | 1510 CATERPILLAR ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7527 |
| 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 331 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK |
| Legal Phase | 1B |
| Legal Tract | 842 |
| Legal Block | 1 |
| Legal Lot Number | 331 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 43600 |
Source: Osceola County records · APN 153580
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1510 CATERPILLAR ST, SAINT CLOUD, FL 34771-7527 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2021 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 31, 2019 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 27, 2021 · Amount on Record |
| Deed Sale | May 27, 2021 · Amount on Record |
| Prior Sale | Dec 31, 2019 · Amount on Record |
| Deed Document Number | 2021082285 |
| Deed Book / Page | 5967 / 1884 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 27, 2021 |
| Property Address | 1510 CATERPILLAR ST, SAINT CLOUD, FL 34771-7527 |
| Document Number | 0059671884 |
| Book / Page | 5967 / 1884 |
| Map Reference | MB 19 PG 189-191 |
| Instrument Date | May 26, 2021 |
| Instrument | 2021082285 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25448 NORTHPARK LAKE DRIVE, 25448, PORTER, TX 77365 |
| Name | Verified Name |
|---|---|
| Address | 1510 CATERPILLAR ST, SAINT CLOUD, FL 34771-7527 |
| Document Number | 59671885 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 5967/1885 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 31, 2019 |
| Property Address | 1510 CATERPILLAR ST, SAINT CLOUD, FL 34771-7527 |
| Document Number | 0056501561 |
| Book / Page | 005650 / 001561 |
| Instrument Date | Dec 26, 2019 |
| Instrument | 169710 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2020 |
| Title Company | EQUITABLE TITLE/MID-FLORIDA LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,051.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1510 CATERPILLAR ST ST CLOUD FL 347717527, ST CLOUD, FL 34771-7527 |
| Document Number | 56501563 |
|---|---|
| Date | Dec 31, 2019 |
| Book Page | 005650/001563 |
| Instrument | 169711 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 30, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $328,481 (+5.99%) | $345,800 (+0.61%) Land $75,000 Building $270,800 |
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $309,927 (+3%) | $343,700 (+14.22%) Land $65,000 Building $278,700 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $300,900 Land $60,000 Building $240,900 | $300,900 Land $60,000 Building $240,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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, Lumen Technologies.
Based on FCC filings for 181 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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