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1548 Softshell St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1548 Softshell St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 2018
Square Footage2,898 sqft Heated Area
Lot Size7,362 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$360,000 (2020)
Tax Bill$5,081.00 (2025)

Property Details

APN / Parcel Number

Primary APN153632
Alternative APN
  • 312531084200013830

Interior

Bedrooms4 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area2,898 sqft Heated Area
Gross Area3,665 sqft Gross Area
1st Floor1,745 sqft 1st Floor
Upper Floors1,153 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,362 sqft (0.169 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area494 sqft Garage
FenceFence
PorchOpen Porch
Porch Area273 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number153632
Street Address1548 SOFTSHELL ST
CitySAINT CLOUD
StateFL
Zip34771-7518
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionTURTLE CREEK PH 1B PB 19 PG 189-191 LOT 383
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK
Legal Phase1B
Legal Tract842
Legal Block1
Legal Lot Number383
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2021
Census Tract43600

Owner

Source: Osceola County records · APN 153632

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 Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address1548 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 31, 2022Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Jul 11, 2022Deed of Trust, Mortgage · Line of Credit
COASTAL COMMUNITY BANK
Dec 03, 2020Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
FAIRWAY INDEPENDENT MTG
Feb 02, 2018Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 06, 2020 · Amount on Record
Deed SaleNov 06, 2020 · Amount on Record
Deed Doc Number0058432963
Deed Book / Page5279 / 0800
Prior Transfer DateFeb 02, 2018
Prior Transfer Doc2018017718
Record RefreshedJun 08, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1548 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518
Transaction TypeMortgage
Record UpdatedNov 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1548 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518

Mortgage

Document Number0063072546
DateOct 31, 2022
Book Page6307/2546
Instrument2022159600
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueOct 20, 2062
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1548 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518
Transaction TypeMortgage
Record UpdatedJul 21, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1548 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518

Mortgage

Document Number0062482161
DateJul 11, 2022
Book Page6248/2161
Instrument2022106660
Lender
NameCOASTAL COMMUNITY BANK
TypeBank
AddressBURLINGAME, CA 94010
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 03, 2020
Property Address1548 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518
Document Number0058432963
Book / Page005843 / 002963
Instrument DateNov 06, 2020
Instrument164134
Transaction TypeTransfer
Record UpdatedDec 15, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1548 SOFTSHELL ST ST CLOUD FL 347717518, ST CLOUD, FL 34771-7518

Mortgage

Document Number58432965
DateDec 03, 2020
Book Page005843/002965
Instrument164135
Lender
NameFAIRWAY INDEPENDENT MTG
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueDec 02, 2050

February 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 02, 2018
Property Address1548 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518
Document Number0052790800
Book / Page5279 / 0800
Map ReferenceMB19 PG189-191
Instrument DateJan 29, 2018
Instrument2018017718
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,121.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

NameVerified Name
Address1548 SOFTSHELL ST, SAINT CLOUD, FL 34771-7518

Mortgage

Document Number2018017719
DateFeb 02, 2018
Instrument2018017719
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,081.00 (+6.01%) Homeowner's exemption$326,753 (+5.99%)$432,800 (-2.5%) Land $75,000 Building $357,800
2023$4,793.00 (+3.43%) Homeowner's exemption$308,297 (+3%)$443,900 (+14.35%) Land $65,000 Building $378,900
2022$4,634.00 Homeowner's exemption$299,318$388,200 Land $60,000 Building $328,200

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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