2501 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2501 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,132 sqft · built 2004
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Tax Bill	$5,697 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`117100`

Property Details

APN / Parcel Number

Primary APN	`117100`
Alternative APN	`162630059300012540`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,132 sqft Heated Area
Gross Area	2,568 sqft
1st Floor Area	2,132 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
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

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Patio Area	248 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	117100
Street Address	2501 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8514
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 254 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	15,254 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 117100

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	2501 SETTLERS TRL, SAINT CLOUD, FL 34772-8514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 20, 2024
Deed Sale	Jun 20, 2024
Prior Sale	May 15, 2015 · Amount on Record
Deed Document Number	0066231262
Deed Book / Page	5111 / 0845
Prior Transfer Date	Mar 03, 2017
Prior Transfer Doc	2017034099
Record Updated	Jun 08, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 03, 2017
Property Address	2501 SETTLERS TRL, SAINT CLOUD, FL 34772-8514
Document Number	0051110845
Book / Page	005111 / 000845
Instrument Date	Feb 24, 2017
Instrument	34099
Transaction Type	Transfer
Record Updated	Apr 10, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2501 SETTLERS TRL ST CLOUD FL 347728514, ST CLOUD, FL 34772-8514

Mortgage

Document Number	51110846
Date	Mar 03, 2017
Book Page	005111/000846
Instrument	34100

Lender

Name	MORRIS ESFORMES
Address	6865 N LINCOLN AVE, LINCOLNWOOD, IL 60712-4611

Agreement

Amount	Amount Recorded

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,697.00 (-6.58%) Homeowner's exemption	$361,200 (-5.93%) Land $75,000 Building $286,200	$361,200 (-6.13%) Land $75,000 Building $286,200
2024	$6,098.00 (+2.4%) Homeowner's exemption	$383,984 (+3%)	$384,800 (+3.22%) Land $70,000 Building $314,800
2023	$5,955.00 (+20.62%) Homeowner's exemption	$372,800 (+21.28%) Land $65,000 Building $307,800	$372,800 (+21.28%) Land $65,000 Building $307,800
2022	$4,937.00	$307,400 Land $60,000 Building $247,400	$307,400 Land $60,000 Building $247,400

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
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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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.