1514 Softshell St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1514 Softshell St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	4 Baths
Year Built	Built 2015
Square Footage	2,679 sqft Heated Area
Lot Size	6,098 sqft (0.139 acres)
Occupancy	Owner Occupied
Last Sale	$266,870 (2015)
Tax Bill	$4,276.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`153648`
Alternative APN	`312531084200013990`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Partial Baths	1 Partial Baths
Building Area	2,679 sqft Heated Area
Gross Area	3,486 sqft Gross Area
1st Floor	1,255 sqft 1st Floor
Upper Floors	1,424 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,098 sqft (0.139 acres)
Depth X Width	125 ft x 50 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	486 sqft Garage
Porch	Open Porch
Porch Area	321 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	153648
Street Address	1514 SOFTSHELL ST
City	SAINT CLOUD
State	FL
Zip	34771-7516
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	TURTLE CREEK PH 1B PB 19 PG 189-191 LOT 399
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	399
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2007
Census Tract	43600

Owner

Source: Osceola County records · APN 153648

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	1514 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2015 · Amount on Record
Deed Sale	Sep 17, 2015 · Amount on Record
Deed Doc Number	2015138037
Deed Book / Page	4842 / 2688
Record Refreshed	Jun 08, 2026

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1514 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516
Document Number	0053842343
Instrument Date	Jun 07, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 SOFTSHELL ST ST CLOUD FL 347717516, ST CLOUD, FL 34771-7516

Mortgage

Document Number	0053842343
Date	Aug 15, 2018
Book Page	005384/002343
Instrument	124194

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2048

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$4,276.00 (+6.13%) Homeowner's exemption	$281,771 (+5.99%)	$399,300 (-2.35%) Land $75,000 Building $324,300
2023	$4,029.00 (+3.52%) Homeowner's exemption	$265,855 (+3%)	$408,900 (+14.41%) Land $65,000 Building $343,900
2022	$3,892.00 Homeowner's exemption	$258,112	$357,400 Land $60,000 Building $297,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	61.0 ft

Wildfire

Wildfire Risk	Moderate above 44% of the US · above 14% of Florida
Wildfire Likelihood	About 1 in 1,136 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.