1562 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1562 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,080 sqft · built 2017
Lot Size	0.144 acres (6,272 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Dec 2019)
Tax Bill	$4,175 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jan 2026 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`31-25-31-0840-0001-0370`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-0370`
Alternative APNs	`253131084000010370` `143710`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,080 sqft Living Area
Gross Area	2,880 sqft
1st Floor Area	2,080 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	476 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1562 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 37
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	1
Legal Lot Number	37
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1562 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Dec 10, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 25, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2019 · Amount on Record
Deed Sale	Dec 10, 2019 · Amount on Record
Prior Sale	May 25, 2017 · Amount on Record
Deed Document Number	2019159293
Deed Book / Page	5637 / 704
Prior Transfer Date	Aug 5, 2010
Prior Transfer Doc	0040180557
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2026
Property Address	1562 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0069372086
Book / Page	6937 / 2086
Map Reference	MB 19 PG 22-25
Instrument Date	Feb 26, 2026
Instrument	2026034074
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1562 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1562 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1562 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1562 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

Mortgage

Document Number	0069151626
Date	Jan 30, 2026
Book Page	6915/1626
Instrument	2026013237

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 16, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 10, 2019
Property Address	1562 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0056370704
Book / Page	5637 / 0704
Map Reference	MB 19 PG 22-25
Instrument Date	Dec 5, 2019
Instrument	2019159293
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NU WORLD TITLE LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 AARON CT, 4, MANCHESTER, NJ 08759-5151

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1562 CARTERPILLAR ST, SAINT CLOUD, FL 34771-7531

Mortgage

Document Number	0056370708
Date	Dec 10, 2019
Instrument	5637/0708

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

May 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 25, 2017
Property Address	1562 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0051532936
Book / Page	5153 / 2936
Map Reference	MB19 PG22-25
Instrument Date	May 22, 2017
Instrument	2017077002
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
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	4 AARON CT, MANCHESTER, NJ 08759-5151

Mortgage

Document Number	0051532937
Date	May 25, 2017
Instrument	5153/2937

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2032

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	$4,175.00 (+3.5%)	$276,143 (+5.99%)	$358,000 (+0.56%) Land $75,000 Building $283,000
2024	$4,034.00 (+2.57%)
2023	$3,933.00 (+3.53%) Homeowner's exemption	$260,545 (+3%)	$356,000 (+14.07%) Land $65,000 Building $291,000
2022	$3,799.00 Homeowner's exemption	$252,957	$312,100 Land $60,000 Building $252,100

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 100 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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