1547 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1547 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,208 sqft · built 2014
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on Record
Tax Bill	$5,006 (2025)
Deeds & Mortgages	May 2023 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0842-0001-2800`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0842-0001-2800`
Alternative APNs	`253131084200012800` `153529`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,208 sqft Living Area
Gross Area	4,072 sqft
1st Floor Area	1,348 sqft
Upper Floors Area	1,860 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
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	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	404 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1547 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 280
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1B
Legal Phase	1B
Legal Tract	842
Legal Block	1
Legal Lot Number	280
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	Individual Name on Record
Mailing Address	1547 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Dec 6, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 7, 2020	Quit Claim Deed, Transfer · FHA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2020
Deed Sale	Feb 7, 2020
Prior Sale	Sep 10, 2014 · Amount on Record
Deed Document Number	202019680
Deed Book / Page	5671 / 674
Prior Transfer Date	Sep 20, 2019
Prior Transfer Doc	0056710674
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1547 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530
Transaction Type	Mortgage
Record Updated	May 24, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1547 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530

Mortgage

Document Number	0064002313
Date	May 4, 2023
Book Page	6400/2313
Instrument	2023055822

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Nov 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1547 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1547 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530

Mortgage

Document Number	0061002007
Date	Dec 6, 2021
Book Page	6100/2007
Instrument	2021187300

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2020
Property Address	1547 CATERPILLAR ST, SAINT CLOUD, FL 34771-7530
Document Number	0056710674
Book / Page	005671 / 000674
Instrument Date	Sep 20, 2019
Instrument	19680
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1547 CATERPILLAR ST ST CLOUD FL 347717530, ST CLOUD, FL 34771-7530

Mortgage

Document Number	56710676
Date	Feb 7, 2020
Book Page	005671/000676
Instrument	19681

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2050

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	$5,006.00 (+3.43%) Homeowner's exemption	$322,602 (+5.99%)	$439,300 (-0.11%) Land $75,000 Building $364,300
2024	$4,840.00 (+2.5%)
2023	$4,722.00 (+3.42%) Homeowner's exemption	$304,380 (+3%)	$439,800 (+14.29%) Land $65,000 Building $374,800
2022	$4,566.00 Homeowner's exemption	$295,515	$384,800 Land $60,000 Building $324,800

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
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	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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