Osceola County property record for 1538 Softshell St, Saint Cloud, FL 34771 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,679 sqft Living Area |
| Lot Size | 6,229 sqft (0.143 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $300,000 (2018) |
| Tax Bill | $3,183.00 (2024) |
| Primary APN | 31-25-31-0842-0001-3780 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,679 sqft Living Area |
| Gross Area | 3,493 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 |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,229 sqft (0.143 acres) |
| Depth X Width | 125 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 486 sqft Garage |
| Patio Area | 130 sqft Patio |
| Porch Area | 528 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1538 SOFTSHELL ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7518 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TURTLE CREEK PH 1B PB 19 PG 189-191 LOT 378 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK PH 1B |
| Legal Phase | 1B |
| Legal Tract | 842 |
| Legal Block | 3780 |
| Legal Lot Number | 378 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2021 |
| Census Tract | 43600 |
Source: Osceola County records · APN 31-25-31-0842-0001-3780
Assessment roll updated November 26, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 1538 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 06, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Jan 30, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage WEI MORTGAGE CORPORATION |
| Jan 23, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage ARC HOME LLC |
| Nov 04, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FLAGSTAR BANK FSB |
| Apr 18, 2018 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 18, 2018 · Amount on Record |
| Deed Sale | Apr 18, 2018 · Amount on Record |
| Deed Doc Number | 201860954 |
| Deed Book / Page | 5319 / 1 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1538 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 1538 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Document Number | 0062952694 |
|---|---|
| Date | Oct 06, 2022 |
| Book Page | 6295/2694 |
| Instrument | 2022148770 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 03, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1538 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1538 SOFTSHELL ST, MAGNOLIA SQ, FL 34771-7518 |
| Document Number | 0058780406 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 5878/406 |
| Instrument | 2021011863 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEAWOOD, KS 66211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1538 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054700040 |
|---|---|
| Date | Jan 30, 2019 |
| Book Page | 5470/0040 |
| Instrument | 2019012298 |
| Name | WEI MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | MC LEAN, VA 22102 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1538 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056622063 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 5662/2063 |
| Instrument | 2020011464 |
| Name | ARC HOME LLC |
|---|---|
| Type | Mortgage Company |
| Address | MC LEAN, VA 22102 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 272 Months |
| Due | Sep 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1538 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 1538 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Document Number | 0058260574 |
|---|---|
| Date | Nov 04, 2020 |
| Book Page | 5826/574 |
| Instrument | 2020150029 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 262 Months |
| Due | Sep 01, 2042 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 18, 2018 |
| Property Address | 1538 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Document Number | 0053190001 |
| Book / Page | 5319 / 0001 |
| Map Reference | MB19 PG189-191 |
| Instrument Date | Apr 13, 2018 |
| Instrument | 2018060954 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| 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 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Document Number | 2018060955 |
|---|---|
| Date | Apr 18, 2018 |
| Instrument | 2018060955 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026
| 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 | $3,296.00 (+3.55%) Homeowner's exemption | $227,061 (+6.17%) | $421,500 (-2.29%) Land $75,000 Building $346,500 |
| 2024 | $3,183.00 (+2.94%) | ||
| 2023 | $3,092.00 (+3.69%) Homeowner's exemption | $213,861 (+3%) | $431,400 (+14.34%) Land $65,000 Building $366,400 |
| 2022 | $2,982.00 Homeowner's exemption | $207,633 | $377,300 Land $60,000 Building $317,300 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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