Osceola County property record for 1540 Softshell St, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,901 sqft Heated Area |
| Lot Size | 6,229 sqft (0.142 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $462,000 (2025) |
| Tax Bill | $5,438.00 (2025) |
| Primary APN | 153628 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,901 sqft Heated Area |
| Gross Area | 2,620 sqft Gross Area |
| 1st Floor | 1,901 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,229 sqft (0.142 acres) |
| Depth X Width | 125 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 478 sqft Garage |
| Porch | Open Porch |
| Porch Area | 241 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 153628 |
|---|---|
| Street Address | 1540 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 379 |
| 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 | 379 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2021 |
| Census Tract | 43600 |
Source: Osceola County records · APN 153628
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 | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 11, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage MERIDIAN HOME MORTGAGE CORP |
| Oct 16, 2025 | Warranty Deed, Transfer · Conventional Mortgage TEWES LENDING INC |
| Aug 02, 2023 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Aug 10, 2018 | Deed of Trust, Mortgage · Veterans Administration Mortgage DHI MORTGAGE COMPANY LTD |
| Apr 11, 2018 | Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 16, 2025 · Amount on Record |
| Deed Sale | Oct 16, 2025 · Amount on Record |
| Prior Sale | Aug 02, 2023 · Amount on Record |
| Deed Doc Number | 2025128438 |
| Deed Book / Page | 6865 / 2538 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Title Company | UNKNOWN, RESEARCH TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Investor | Possibly a Property Investor |
| Document Number | 0059091928 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 5909/1928 |
| Instrument | 2021036159 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | WESTMINSTER, MD 21157 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 16, 2025 |
| Property Address | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Document Number | 0068652538 |
| Book / Page | 6865 / 2538 |
| Map Reference | MB 19 PG 189 |
| Instrument Date | Oct 14, 2025 |
| Instrument | 2025128438 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,234.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7357 IVY TENDRIL AVE, ORLANDO, FL 32829-3044 |
| Name | Verified Name |
|---|---|
| Address | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Document Number | 0068652540 |
|---|---|
| Date | Oct 16, 2025 |
| Instrument | 6865/2540 |
| Name | TEWES LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 02, 2023 |
| Property Address | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Document Number | 0064502134 |
| Book / Page | 6450 / 2134 |
| Map Reference | MB 19 PG 189-191 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 2023100016 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2025 |
| Title Company | BROKERS TITLE/LEESBURG LLC, BROKERS TTL OF LEESBURG LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28138 CYPRESS SPRINGS LOOP, OKAHUMPKA, FL 34762-3344 |
| Name | Verified Name |
|---|---|
| Address | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Document Number | 0064502136 |
|---|---|
| Date | Aug 02, 2023 |
| Instrument | 6450/2136 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053830673 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | 5383/0673 |
| Instrument | 2018122564 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78750 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | May 01, 2048 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 11, 2018 |
| Property Address | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Document Number | 0053151276 |
| Book / Page | 5315 / 1276 |
| Map Reference | MB19 PG189-191 |
| Instrument Date | Apr 09, 2018 |
| Instrument | 2018057227 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| 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 | 1540 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518 |
| Investor | Possibly a Property Investor |
| Document Number | 2018057228 |
|---|---|
| Date | Apr 11, 2018 |
| Instrument | 2018057228 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,438.00 (-2.77%) Homeowner's exemption | $346,700 (-2.53%) Land $75,000 Building $271,700 | $346,700 (-2.53%) Land $75,000 Building $271,700 |
| 2024 | $5,593.00 (+139,725%) Homeowner's exemption | $355,700 (+62.82%) Land $70,000 Building $285,700 | $355,700 (+3.34%) Land $70,000 Building $285,700 |
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $218,467 (+3%) | $344,200 (+14.16%) Land $65,000 Building $279,200 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $212,104 | $301,500 Land $60,000 Building $241,500 |
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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