2437 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2437 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,739 sqft · built 2004
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Aug 2025)
Tax Bill	$1,519 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`117095`

Property Details

APN / Parcel Number

Primary APN	`117095`
Alternative APN	`162630059300012490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,739 sqft Heated Area
Gross Area	2,529 sqft
1st Floor Area	1,739 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	390 sqft
Patio Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	117095
Street Address	2437 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8595
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT NINE PB 15 PG 99 LOT 249 15-26-30
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	593
Legal Block	1
Legal Lot Number	15,249 15
Legal Unit	NI
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43208

Owner

Source: Osceola County records · APN 117095

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	2437 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 04, 2025 · Amount on Record
Deed Sale	Aug 04, 2025 · Amount on Record
Prior Sale	Jan 13, 2025
Deed Document Number	2025096853
Deed Book / Page	6829 / 1800
Record Updated	Jun 08, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 04, 2025
Property Address	2437 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
Document Number	0068291800
Book / Page	6829 / 1800
Map Reference	MB 15 PG 99&100
Instrument Date	Aug 01, 2025
Instrument	2025096853
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MAGNOLIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1434 WOOD LAKE CIR, SAINT CLOUD, FL 34772-7489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2437 SETTLERS TRL, SAINT CLOUD, FL 34772-8595

Mortgage

Document Number	0068291801
Date	Aug 04, 2025
Instrument	6829/1801

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,519.00 (+8.81%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$144,419 (+5.99%)	$325,300 (-2.58%) Land $75,000 Building $250,300
2023	$1,396.00 (-0.78%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$136,262 (+3%)	$333,900 (+20.76%) Land $65,000 Building $268,900
2022	$1,407.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$132,294	$276,500 Land $60,000 Building $216,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 402 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.