1561 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1561 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,671 sqft · built 2016
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$84,500 (Nov 2022)
Tax Bill	$4,293 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0840-0001-0250`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-0250`
Alternative APNs	`253131084000010250` `143698`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,671 sqft Living Area
Gross Area	3,370 sqft
1st Floor Area	1,150 sqft
Upper Floors Area	1,521 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Combination
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	489 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1561 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 25
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	250
Legal Lot Number	25
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2062
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	2 Individual Names on Record
Mailing Address	1561 CATERPILLAR ST, SAINT CLOUD, FL 34771-7532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Aug 20, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 11, 2018	Loan Modification, Mortgage · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Prior Sale	Nov 1, 2016 · Amount on Record
Deed Document Number	2022168421
Deed Book / Page	6317 / 2737
Prior Transfer Date	Nov 5, 2022
Prior Transfer Doc	0063172737
Record Updated	Jun 8, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2022
Property Address	1561 CATERPILLAR ST, SAINT CLOUD, FL 34771-7532
Document Number	0063172737
Book / Page	6317 / 2737
Map Reference	MB 19 PG 22-25
Instrument Date	Nov 5, 2022
Instrument	2022168421
Transaction Type	Transfer
Record Updated	Dec 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$591.50
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1561 CATERPILLAR ST, 1561, SAINT CLOUD, FL 34771-7532

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1561 CATERPILLAR ST, SAINT CLOUD, FL 34771-7532

Mortgage

Document Number	0063172740
Date	Nov 21, 2022
Instrument	6317/2740

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1561 CATERPILLAR ST, SAINT CLOUD, FL 34771-7532
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057780803
Date	Aug 20, 2020
Book Page	5778/803
Instrument	2020110254

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	May 1, 2048

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1561 CATERPILLAR ST, SAINT CLOUD, FL 34771-7532
Document Number	0053370005
Instrument Date	Apr 11, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1561 CATERPILLAR ST ST CLOUD FL 347717532, ST CLOUD, FL 34771-7532

Mortgage

Document Number	0053370005
Date	May 21, 2018
Book Page	005337/000005
Instrument	79534

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2048

Interest

Rate	3.5%

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	$4,293.00 (+3.47%) Homeowner's exemption	$282,755 (+5.99%)	$398,800 (-2.35%) Land $75,000 Building $323,800
2024	$4,149.00 (+2.57%)
2023	$4,045.00 (+101,025%) Homeowner's exemption	$266,784 (+3%)	$408,400 (+14.33%) Land $65,000 Building $343,400
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$259,014	$357,200 Land $60,000 Building $297,200

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 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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