1566 Caterpillar St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1566 Caterpillar St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,818 sqft · built 2016
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Trust Names on File
Last Sale	$285,000 (Nov 2019)
Tax Bill	$3,841 (2025)
Deeds & Mortgages	Jul 2026 Sale Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`31-25-31-0840-0001-0390`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-0390`
Alternative APNs	`253131084000010390` `143712`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,818 sqft Living Area
Gross Area	2,410 sqft
1st Floor Area	1,818 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
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	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1566 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 39
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	39
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2061
Census Tract	43600

Owner

1566 Caterpillar St is owner-occupied and held in a trust since July 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	1566 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jul 1, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Nov 27, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Jun 19, 2018	Loan Modification, Mortgage · FHA Mortgage TOWNE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2019 · Amount on File
Deed Sale	Nov 27, 2019 · Amount on File
Prior Sale	Aug 26, 2016 · Amount on File
Deed Document Number	2019154450
Deed Book / Page	5630 / 2888
Last Transfer Date	Jul 1, 2026
Transfer Doc	0000086672
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2026
Property Address	1566 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0000086672
Book / Page	6997 / 1660
Instrument Date	Jul 1, 2026
Instrument	202686672
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1566 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1566 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1566 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531

Mortgage

Document Number	0059010110
Date	Mar 1, 2021
Book Page	5901/110
Instrument	2021029638

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 27, 2019
Property Address	1566 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0056302888
Book / Page	005630 / 002888
Instrument Date	Nov 26, 2019
Instrument	154450
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	CLOSING AGENT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1566 CATERPILLAR ST ST CLOUD FL 347717531, ST CLOUD, FL 34771-7531

Mortgage

Document Number	56302890
Date	Nov 27, 2019
Book Page	005630/002890
Instrument	154451

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2049

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1566 CATERPILLAR ST, SAINT CLOUD, FL 34771-7531
Document Number	0054040898
Instrument Date	Jun 19, 2018
Transaction Type	Mortgage
Record Updated	Oct 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1566 CATERPILLAR ST ST CLOUD FL 347717531, ST CLOUD, FL 34771-7531

Mortgage

Document Number	0054040898
Date	Sep 20, 2018
Book Page	005404/000898
Instrument	141816

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 1566 Caterpillar St was $3,841 with a homeowner's exemption, up 3.5% 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	$3,841.00 (+3.5%) Homeowner's exemption	$257,482	$331,500 Land $75,000 Building $256,500
2024	$3,711.00 (+2.63%)
2023	$3,616.00 (+3.58%) Homeowner's exemption	$242,938 (+3%)	$329,100 (+14.03%) Land $65,000 Building $264,100
2022	$3,491.00 Homeowner's exemption	$235,863	$288,600 Land $60,000 Building $228,600

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

Flood

FEMA maps place 1566 Caterpillar St in Zone X, an area of moderate flood risk, within 100 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 100 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 1566 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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