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2407 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2407 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,577 sqft · built 2004
Lot Size0.255 acres (11,108 sqft)
Owner2 Individual Names on Record
Last Sale$298,000 (Aug 2017)
Tax Bill$4,302 (2025)
Deeds & MortgagesAug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN117146

Property Details

APN / Parcel Number

Primary APN117146
Alternative APN
  • 162630059400012460

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,577 sqft Heated Area
Gross Area3,772 sqft
1st Floor Area2,577 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,108 sqft (0.255 acres)
Garage TypeFinished
Garage Area660 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area336 sqft
PorchOpen Porch
Porch Area535 sqft
Deck Area614 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number117146
Street Address2407 SETTLERS TRL
CitySAINT CLOUD
StateFL
Zip34772-8595
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCANOE CREEK LAKES UNIT TEN PB 15 PG 100 LOT 246
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES
Legal Tract594
Legal Block1
Legal Lot Number246
Legal UnitE
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2015
Census Tract43208

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2407 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 21, 2017 · Amount on Record
Deed SaleAug 21, 2017 · Amount on Record
Prior SaleDec 31, 2015 · Amount on Record
Deed Document Number2017121100
Deed Book / Page5197 / 2330
Record UpdatedJun 8, 2026

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 21, 2017
Property Address2407 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
Document Number0051972330
Book / Page005197 / 002330
Instrument DateJul 13, 2017
Instrument121100
Transaction TypeTransfer
Record UpdatedSep 26, 2017
Title CompanyBRPS TITLE/TX LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,086.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2407 SETTLERS TRL ST CLOUD FL 347728595, ST CLOUD, FL 34772-8595

Mortgage

Document Number51972333
DateAug 21, 2017
Book Page005197/002333
Instrument121101
Lender
NameRESIDENTIAL ACCPTNC
AddressTAMPA, FL 33607
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 20, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,302.00 (+6.14%) Homeowner's exemption$283,226 (+5.99%)$436,700 (-3.13%) Land $75,000 Building $361,700
2023$4,053.00 (+3.5%) Homeowner's exemption$267,228 (+3%)$450,800 (+20.7%) Land $65,000 Building $385,800
2022$3,916.00 Homeowner's exemption$259,445$373,500 Land $60,000 Building $313,500

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 402 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 35
CenturyLink
DSL · Fiber in parts of the area		140 / 20

May also be available: Verizon.

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