2485 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2485 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,955 sqft · built 2004
Lot Size	0.198 acres (8,624 sqft)
Owner	Individual Name on Record
Last Sale	$368,500 (May 2026)
Tax Bill	$1,632 (2025)
Deeds & Mortgages	May 2026 Sale May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0593-0001-2530`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0593-0001-2530`
Alternative APNs	`263016059300012530` `117099`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,955 sqft Living Area
Gross Area	2,610 sqft
1st Floor Area	1,955 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	214 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2485 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 253 15-26-30
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 9
Legal Tract	593
Legal Block	2530
Legal Lot Number	253
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, as of June 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2485 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Affidavit, Transfer
May 26, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 26, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PARTNERS FCU
Nov 24, 2020	Quit Claim Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Mar 19, 2004 · Amount on Record
Deed Document Number	202668582
Deed Book / Page	6976 / 2521
Prior Transfer Date	Apr 23, 2021
Prior Transfer Doc	0059482364
Record Updated	Oct 29, 2026

May 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2026
Property Address	2485 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
Document Number	0000068571
Book / Page	6976 / 2505
Instrument Date	May 25, 2026
Instrument	202668571
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2026
Property Address	2485 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
Document Number	0000068582
Book / Page	6976 / 2521
Instrument Date	May 22, 2026
Instrument	202668582
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ALEX TITLE, APEX TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260,529.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2485 SETTLERS TRL, SAINT CLOUD, FL 34772-8595

Mortgage

Document Number	0000068583,
Date	May 26, 2026
Instrument	202668583

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2026
Property Address	2485 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
Document Number	0069762521
Book / Page	6976 / 2521
Instrument Date	May 22, 2026
Instrument	202668582
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	APEX TITLE AGENCY, APEX TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260,529.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2485 SETTLERS TRL, SAINT CLOUD, FL 34772-8595

Mortgage

Document Number	0000068583,
Date	May 26, 2026
Instrument	202668583

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 30, 2021
Property Address	2485 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
Document Number	0059482364
Book / Page	5948 / 2364
Map Reference	MB 15 PG 99
Instrument Date	Apr 23, 2021
Instrument	2021066816
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ALOMA TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2485 SETTLERS TRL, SAINT CLOUD, FL 34772-8595

Mortgage

Document Number	0059482366
Date	Apr 30, 2021
Instrument	5948/2366

Lender

Name	PARTNERS FCU
Type	Credit Union

Agreement

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

November 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 24, 2020
Property Address	2485 SETTLERS TRL, SAINT CLOUD, FL 34772-8595
Document Number	0058390868
Book / Page	005839 / 000868
Instrument Date	Nov 18, 2020
Instrument	160849
Record Updated	Dec 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2485 SETTLERS TRL ST CLOUD FL 347728595, ST CLOUD, FL 34772-8595

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	$1,632.00 (+3.88%) Homeowner's exemption	$134,097 (+5.99%)	$339,000 (-2.81%) Land $75,000 Building $264,000
2024	$1,571.00 (+3.42%)
2023	$1,519.00 (+4.47%) Homeowner's exemption	$126,523 (+3%)	$348,800 (+20.86%) Land $65,000 Building $283,800
2022	$1,454.00 Homeowner's exemption	$122,838	$288,600 Land $60,000 Building $228,600

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.

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 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

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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 402 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 / 35
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

Nearby Properties on Settlers Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures