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1520 Softshell St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1520 Softshell St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 2014
Square Footage2,891 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$307,000 (2019)
Tax Bill$4.00 (2025)

Property Details

APN / Parcel Number

Primary APN153651
Alternative APN
  • 312531084200014020

Interior

Bedrooms4 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area2,891 sqft Heated Area
Gross Area3,580 sqft Gross Area
1st Floor1,745 sqft 1st Floor
Upper Floors1,146 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2014
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.139 acres)
Depth X Width125 ft x 50 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area494 sqft Garage
PorchOpen Porch
Porch Area195 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number153651
Street Address1520 SOFTSHELL ST
CitySAINT CLOUD
StateFL
Zip34771-7516
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionTURTLE CREEK PH 1B PB 19 PG 189-191 LOT 402
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK
Legal Phase1B
Legal Tract842
Legal Block1
Legal Lot Number402
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2007
Census Tract43600

Owner

Source: Osceola County records · APN 153651

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 RecordIndividual Name on File
Mailing Address1520 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 21, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
NAVY FEDERAL CREDIT UNION
Jul 29, 2022Deed of Trust, Mortgage · Veterans Administration Mortgage
THE FEDERAL SAVINGS BANK
Sep 27, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
GRIFFIN FUNDING INC
Jun 12, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 12, 2019 · Amount on Record
Deed SaleJun 12, 2019 · Amount on Record
Prior SaleOct 21, 2014 · Amount on Record
Deed Doc Number2019075732
Deed Book / Page5539 / 2545
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 21, 2026
Property Address1520 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516
Document Number0000094984
Book / Page7006 / 2435
Instrument DateJul 15, 2026
Instrument202694984
Transaction TypeMortgage
Record UpdatedJul 30, 2026
Title CompanyNAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address1520 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516

Mortgage

Document Number0000094984,
DateJul 21, 2026
Book Page7006/2435
Instrument202694984
Lender
NameNAVY FEDERAL CREDIT UNION
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term301 Months
DueAug 01, 2051
Interest
Rate TypeAdjustable Rate
Rate6.47%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1520 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516
Transaction TypeMortgage
Record UpdatedAug 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1520 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516

Mortgage

Document Number0062601368
DateJul 29, 2022
Book Page6260/1368
Instrument2022116944
Lender
NameTHE FEDERAL SAVINGS BANK
TypeBank
AddressCHICAGO, IL 60639
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1520 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1520 SOFSHELL ST, SAINT CLOUD, FL 34771-7516

Mortgage

Document Number0060521966
DateSep 27, 2021
Book Page6052/1966
Instrument2021149906
Lender
NameGRIFFIN FUNDING INC
TypeMortgage Company
AddressSAN DIEGO, CA 92101
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term359 Months
DueAug 01, 2051

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 12, 2019
Property Address1520 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516
Document Number0055392545
Book / Page5539 / 2545
Map ReferenceMB 19 PG 189
Instrument DateJun 03, 2019
Instrument2019075732
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyADVANTAGE INTL TTL INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,149.00
Amount AccuracyFull Amount Stated
Additional
  • Notice of Foreclosure Sale
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address11635 SE 31ST PLACE, 11635, KENT, WA 98031

Transferred To (Grantee/Buyer)

NameVerified Name
Address1520 SOFTSHELL ST, SAINT CLOUD, FL 34771-7516

Mortgage

Document Number0055392547
DateJun 12, 2019
Instrument5539/2547
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2049

Tax Assessment & Valuation

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

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$4.00 (-99.91%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$303,166 (+5.99%)$416,300 (-2.39%) Land $75,000 Building $341,300
2023$4,302.00 (+3.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$286,041 (+3%)$426,500 (+14.34%) Land $65,000 Building $361,500
2022$4,155.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$277,710$373,000 Land $60,000 Building $313,000

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation61.0 ft

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; lenders make the official flood determination.

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