Osceola County property record for 1538 Caterpillar St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,402 sqft · built 2016 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $317,990 (May 2017) |
| Tax Bill | $5,389 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-25-31-0842-0001-3540 |
| Primary APN | 31-25-31-0842-0001-3540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,402 sqft Living Area |
| Gross Area | 4,236 sqft |
| 1st Floor Area | 2,122 sqft |
| Upper Floors Area | 1,280 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Footing |
| 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 | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 372 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1538 CATERPILLAR ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7529 |
| 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 354 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK PH 1B |
| Legal Phase | 1B |
| Legal Tract | 842 |
| Legal Block | 3540 |
| Legal Lot Number | 354 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 43600 |
Source: Osceola County records, as of June 15, 2026
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 | 1538 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2026 | Deed of Trust, Mortgage · Line of Credit BEAZER MORTGAGE CORPORATION |
| May 31, 2017 | Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2017 · Amount on Record |
| Deed Sale | May 31, 2017 · Amount on Record |
| Deed Document Number | 201779611 |
| Deed Book / Page | 5156 / 1842 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 8, 2026 |
| Property Address | 1538 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529 |
| Document Number | 0000074835 |
| Book / Page | 6984 / 831 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202674835 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1538 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529 |
| Document Number | 0000074835, |
|---|---|
| Date | Jun 8, 2026 |
| Book Page | 6984/831 |
| Instrument | 202674835 |
| Name | BEAZER MORTGAGE CORPORATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 31, 2017 |
| Property Address | 1538 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529 |
| Document Number | 0051561842 |
| Book / Page | 5156 / 1842 |
| Map Reference | MB19 PG189-191 |
| Instrument Date | May 30, 2017 |
| Instrument | 2017079611 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,226.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149 |
| Name | Verified Name |
|---|---|
| Address | 1538 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529 |
| Document Number | 0051561843 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 5156/1843 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,389.00 (+5.98%) Homeowner's exemption | $343,960 (+5.99%) | $441,700 (-5.6%) Land $75,000 Building $366,700 |
| 2023 | $5,085.00 (+3.37%) Homeowner's exemption | $324,532 (+3%) | $467,900 (+14.6%) Land $65,000 Building $402,900 |
| 2022 | $4,919.00 Homeowner's exemption | $315,080 | $408,300 Land $60,000 Building $348,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 |
|
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: 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.
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 |
| 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.
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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