1551 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1551 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,458 sqft · built 2007
Lot Size	0.169 acres (7,362 sqft)
Owner	Individual Name on File
Last Sale	$321,000 (Feb 2018)
Tax Bill	$4 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`143703`

Property Details

APN / Parcel Number

Primary APN	`143703`
Alternative APN	`312531084000010300`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,458 sqft Heated Area
Gross Area	3,264 sqft
1st Floor Area	1,944 sqft
Upper Floors Area	514 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,362 sqft (0.169 acres)
Garage Type	Finished
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	390 sqft
Porch	Open Porch
Porch Area	294 sqft
Deck Area	810 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	143703
Street Address	1551 CATERPILLAR ST
City	SAINT CLOUD
State	FL
Zip	34771-7532
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 30
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK
Legal Phase	1A
Legal Tract	840
Legal Block	1
Legal Lot Number	30
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2062
Census Tract	43600

Owner

1551 Caterpillar St is owned and occupied by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1551 CATERPILLAR ST, SAINT CLOUD, FL 34771-7532
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
Jan 14, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Feb 14, 2018	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2018 · Amount on File
Deed Sale	Feb 14, 2018 · Amount on File
Prior Sale	Jul 23, 2007 · Amount on File
Deed Document Number	2018025143
Deed Book / Page	5285 / 1389
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1551 CATERPILLAR ST, SAINT CLOUD, FL 34771-7532
Transaction Type	Mortgage
Record Updated	Jan 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061292518
Date	Jan 14, 2022
Book Page	6129/2518
Instrument	2022008098

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 14, 2018
Property Address	1551 CATERPILLAR ST, SAINT CLOUD, FL 34771-7532
Document Number	0052851389
Book / Page	5285 / 1389
Map Reference	MB19 G22
Instrument Date	Feb 5, 2018
Instrument	2018025143
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ABSOLUTE TITLE OF CENTRAL FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,247.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5650 RON RD, 5650, SAINT CLOUD, FL 34771-7991

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1551 CATERPILLAR ST, SAINT CLOUD, FL 34771-7532

Mortgage

Document Number	2018025144
Date	Feb 14, 2018
Instrument	2018025144

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1551 Caterpillar St was $4 with exemptions applied.

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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$297,307	$414,200 Land $75,000 Building $339,200
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$280,514 (+3%)	$412,600 (+12.86%) Land $65,000 Building $347,600
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$272,344	$365,600 Land $60,000 Building $305,600

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

Flood

FEMA maps place 1551 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 1551 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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