1546 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1546 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,082 sqft · built 2016
Lot Size	0.144 acres (6,273 sqft)
Owner	Individual Name on File
Last Sale	$252,000 (Jul 2016)
Tax Bill	$3,601 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153607`

Property Details

APN / Parcel Number

Primary APN	`153607`
Alternative APN	`312531084200013580`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,082 sqft Heated Area
Gross Area	2,843 sqft
1st Floor Area	828 sqft
Upper Floors Area	1,254 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,273 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	503 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	258 sqft
Patio Area	256 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153607
Street Address	1546 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 358
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	358
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2060
Census Tract	43600

Owner

1546 Caterpillar St is owned and occupied by an individual who bought it in July 2016.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1546 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 20, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 20, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2016 · Amount on File
Deed Sale	Jul 25, 2016 · Amount on File
Deed Document Number	0049982265
Deed Book / Page	4998 / 2265
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1546 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1546 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529

Mortgage

Document Number	0062802233
Date	Sep 2, 2022
Book Page	6280/2233
Instrument	2022135140

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1546 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529
Document Number	0056410836
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1546 CATERPILLAR ST ST CLOUD FL 347717529, ST CLOUD, FL 34771-7529

Mortgage

Document Number	0056410836
Date	Dec 16, 2019
Book Page	005641/000836
Instrument	162797

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2049

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1546 CATERPILLAR ST, SAINT CLOUD, FL 34771-7529
Document Number	0056412533
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1546 CATERPILLAR ST ST CLOUD FL 347717529, ST CLOUD, FL 34771-7529

Mortgage

Document Number	0056412533
Date	Dec 17, 2019
Book Page	005641/002533
Instrument	163234

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2049

Interest

Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 1546 Caterpillar St was $3,601 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$3,601.00 Homeowner's exemption	$244,090	$349,700 Land $75,000 Building $274,700
2023	$3,388.00 (+3.61%) Homeowner's exemption	$230,302 (+3%)	$348,000 (+13.95%) Land $65,000 Building $283,000
2022	$3,270.00 Homeowner's exemption	$223,595	$305,400 Land $60,000 Building $245,400

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

Flood

FEMA maps place 1546 Caterpillar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 1546 Caterpillar St is moderate, ranking above 46% of the US, with a 0.1% annual chance of 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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