1537 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1537 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,009 sqft · built 2014
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,867 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0842-0001-2750`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0842-0001-2750`
Alternative APNs	`253131084200012750` `153524`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,009 sqft Living Area
Gross Area	2,860 sqft
1st Floor Area	2,009 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	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Finished/Open Porch
Porch Area	410 sqft
Deck Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1537 CATERPILLAR ST
City	SAINT CLOUD
State	FL
Zip	34771-7530
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 275
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1B
Legal Phase	1B
Legal Tract	842
Legal Block	2750
Legal Lot Number	275
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2059
Census Tract	43600

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1537 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Jul 31, 2023	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2023
Deed Sale	Jul 31, 2023
Prior Sale	Nov 12, 2015 · Amount on Record
Deed Document Number	202398026
Deed Book / Page	6448 / 1072
Prior Transfer Date	Sep 12, 2014
Prior Transfer Doc	0046762563
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1537 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1537 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530

Mortgage

Document Number	0065570757
Date	Feb 29, 2024
Book Page	6557/757
Instrument	2024026530

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	1 BAXTER WAY STE 300, WESTLAKE VILLAGE, CA 91362

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 31, 2023
Property Address	1537 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530
Document Number	0064481072
Book / Page	6448 / 1072
Map Reference	MB 19 PG 189-191
Instrument Date	Jul 22, 2023
Instrument	2023098026
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1537 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1537 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530

Mortgage

Document Number	0064481075
Date	Jul 31, 2023
Instrument	6448/1075

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

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	$3,867.00 (+3.51%)	$258,957 (+5.99%)	$367,400 (+0.77%) Land $75,000 Building $292,400
2024	$3,736.00 (+2.61%)
2023	$3,641.00 (+3.58%) Homeowner's exemption	$244,330 (+3%)	$364,600 (+12.77%) Land $65,000 Building $299,600
2022	$3,515.00 Homeowner's exemption	$237,214	$323,300 Land $60,000 Building $263,300

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

Flood

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
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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, Verizon, Xfinity.

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