1558 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1558 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,994 sqft · built 2017
Lot Size	0.144 acres (6,272 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Oct 2020)
Tax Bill	$4,185 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`31-25-31-0840-0001-0350`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-0350`
Alternative APNs	`253131084000010350` `143708`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,994 sqft Living Area
Gross Area	2,574 sqft
1st Floor Area	1,994 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,272 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	139 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1558 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 35
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	350
Legal Lot Number	35
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2061
Census Tract	43600

Owner

Source: Osceola County records, as of July 13, 2026

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	1558 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Aug 23, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 28, 2020	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Oct 20, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	2020146261
Deed Book / Page	5821 / 1197
Prior Transfer Date	Aug 5, 2010
Prior Transfer Doc	0040180557
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2026
Property Address	1558 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0000086674
Book / Page	6997 / 1665
Instrument Date	Jul 1, 2026
Instrument	202686674
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	ROCKET MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1558 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

Mortgage

Document Number	0000086674,
Date	Jul 1, 2026
Book Page	6997/1665
Instrument	202686674

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.48%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1558 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1558 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

Mortgage

Document Number	0064621448
Date	Aug 23, 2023
Book Page	6462/1448
Instrument	2023110897

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Nov 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 28, 2020
Property Address	1558 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0058211197
Book / Page	5821 / 1197
Map Reference	MB 19 PG 22-25
Instrument Date	Oct 9, 2020
Instrument	2020146261
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SIMPLY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1558 CATERPILLAR ST, 1558, SAINT CLOUD, FL 34771-7531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1558 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

Mortgage

Document Number	0058211200
Date	Oct 28, 2020
Instrument	5821/1200

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 20, 2017
Property Address	1558 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0052272125
Book / Page	5227 / 2125
Map Reference	MB19 PG22-25
Instrument Date	Oct 18, 2017
Instrument	2017151218
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,932.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1558 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

Mortgage

Document Number	0052272126
Date	Oct 20, 2017
Instrument	5227/2126

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$4,185.00 (+3.49%) Homeowner's exemption	$276,717 (+5.99%)	$345,200 (+0.64%) Land $75,000 Building $270,200
2024	$4,044.00 (+2.56%)
2023	$3,943.00 (+3.55%) Homeowner's exemption	$261,087 (+3%)	$343,000 (+14.11%) Land $65,000 Building $278,000
2022	$3,808.00 Homeowner's exemption	$253,483	$300,600 Land $60,000 Building $240,600

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 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 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 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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