1550 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1550 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,882 sqft · built 2007
Lot Size	0.169 acres (7,361 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jun 2022)
Tax Bill	$5,019 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`31-25-31-0840-0001-0310`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-0310`
Alternative APNs	`253131084000010310` `143704`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,882 sqft Living Area
Gross Area	2,671 sqft
1st Floor Area	1,882 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,361 sqft (0.169 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	327 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1550 CATERPILLAR ST
City	SAINT CLOUD
State	FL
Zip	34771-7531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	TURTLE CREEK PH 1A PB 19 PG 22-25 LOT 31
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	310
Legal Lot Number	31
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2061
Census Tract	43600

Owner

1550 Caterpillar St is owned and occupied by two individuals who bought it in June 2022.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1550 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Mar 2, 2021	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2022 · Amount on File
Deed Sale	Jun 6, 2022 · Amount on File
Prior Sale	Mar 2, 2021
Deed Document Number	202287871
Deed Book / Page	6227 / 963
Prior Transfer Date	Feb 20, 2021
Prior Transfer Doc	0059012581
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 6, 2022
Property Address	1550 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0062270963
Book / Page	6227 / 963
Map Reference	MB 19 PG 22-25
Instrument Date	May 31, 2022
Instrument	2022087871
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	EQUITABLE TITLE/W ORLANDO LLC, EQUITABLE TTL OF WEST ORLAND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1550 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

Mortgage

Document Number	0006227965
Date	Jun 6, 2022
Instrument	6227/965

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 2, 2021
Property Address	1550 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0059012581
Book / Page	5901 / 2581
Map Reference	MB 19 PG 22-25
Instrument Date	Feb 20, 2021
Instrument	2021030204
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4326 ANDOVER CAY BLVD, 4326, ORLANDO, FL 32825-2710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1550 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

Mortgage

Document Number	0059012585
Date	Mar 2, 2021
Instrument	5901/2585

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 1550 Caterpillar St was $5,019 with a homeowner's exemption, down 2.3% from the year before.

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	$5,019.00 (-2.3%) Homeowner's exemption	$323,300 Land $75,000 Building $248,300	$323,300 Land $75,000 Building $248,300
2024	$5,137.00 (+2.47%)
2023	$5,013.00 (+16.42%) Homeowner's exemption	$320,500 (+14.02%) Land $65,000 Building $255,500	$320,500 (+14.02%) Land $65,000 Building $255,500
2022	$4,306.00 Homeowner's exemption	$281,100 Land $60,000 Building $221,100	$281,100 Land $60,000 Building $221,100

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

Flood

FEMA maps place 1550 Caterpillar St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 1550 Caterpillar St is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

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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