2361 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2361 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,168 sqft · built 2004
Lot Size	0.265 acres (11,543 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,000 (Nov 2019)
Tax Bill	$3,736 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0594-0001-2440`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0594-0001-2440`
Alternative APNs	`263016059400012440` `117144`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,168 sqft Living Area
Gross Area	2,917 sqft
1st Floor Area	2,168 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,543 sqft (0.265 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	338 sqft
Porch	Finished/Open Porch
Porch Area	309 sqft
Deck Area	308 sqft
Patio Area	72 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2361 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8593
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT TEN PB 15 PG 100 LOT 244
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 10
Legal Tract	594
Legal Block	1
Legal Lot Number	244
Legal Unit	E
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43208

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	2361 SETTLERS TRL, SAINT CLOUD, FL 34772-8593
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 19, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2019 · Amount on Record
Deed Sale	Nov 19, 2019 · Amount on Record
Prior Sale	Oct 8, 2003 · Amount on Record
Deed Document Number	2019150659
Deed Book / Page	5626 / 869
Prior Transfer Date	May 14, 2018
Prior Transfer Doc	0053481376
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2361 SETTLERS TRL, SAINT CLOUD, FL 34772-8593
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2361 SETTLERS TRL, SAINT CLOUD, FL 34772-8593

Mortgage

Document Number	0060062023
Date	Jul 21, 2021
Book Page	6006/2023
Instrument	2021112887

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 19, 2019
Property Address	2361 SETTLERS TRL, SAINT CLOUD, FL 34772-8593
Document Number	0056260869
Book / Page	5626 / 0869
Map Reference	MB 15 PG 100
Instrument Date	Sep 9, 2019
Instrument	2019150659
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,953.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2361 SETTLERS TRL, 2361, SAINT CLOUD, FL 34772-8593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2361 SETTLERS TRL, SAINT CLOUD, FL 34772-8593

Mortgage

Document Number	0005626871
Date	Nov 19, 2019
Instrument	5626/871

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 12, 2018
Property Address	2361 SETTLERS TRL, SAINT CLOUD, FL 34772-8593
Document Number	0053481376
Book / Page	005348 / 001376
Instrument Date	May 14, 2018
Instrument	90224
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2361 SETTLERS TRL ST CLOUD FL 347728593, ST CLOUD, FL 34772-8593

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	$3,736.00 (+3.52%) Homeowner's exemption	$251,630 (+5.99%)	$382,600 (-2.65%) Land $75,000 Building $307,600
2024	$3,609.00 (+2.65%)
2023	$3,516.00 (+4.39%) Homeowner's exemption	$237,417 (+3.65%)	$393,000 (+21%) Land $65,000 Building $328,000
2022	$3,368.00 Homeowner's exemption	$229,046	$324,800 Land $60,000 Building $264,800

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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