Osceola County property record for 2581 Settlers Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,060 sqft · built 2000 |
| Lot Size | 0.198 acres (8,624 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,000 (Nov 2011) |
| Tax Bill | $1,648 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0583-0001-2610 |
| Primary APN | 15-26-30-0583-0001-2610 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,060 sqft Living Area |
| Gross Area | 2,784 sqft |
| 1st Floor Area | 2,060 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / 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 | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 284 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2581 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 8 PB 10 PG 197 LOT 261 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | CANOE CREEK LAKES UNIT 8 |
| Legal Tract | 583 |
| Legal Block | 2610 |
| Legal Lot Number | 261 |
| Legal Unit | 8P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 43208 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2581 SETTLERS TRL, SAINT CLOUD, FL 34772-8514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2011 · Amount on File |
| Deed Sale | Nov 28, 2011 · Amount on File |
| Prior Sale | Sep 27, 2011 · Amount on File |
| Deed Document Number | 2011163889 |
| Deed Book / Page | 4202 / 2122 |
| Prior Transfer Date | Mar 15, 2000 |
| Prior Transfer Doc | 0020930854 |
| Record Updated | Oct 29, 2026 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,648.00 (+5.98%) Homeowner's exemption | $134,987 (+7.42%) | $342,300 (-2.42%) Land $75,000 Building $267,300 |
| 2024 | $1,555.00 (+3.39%) | ||
| 2023 | $1,504.00 (+4.52%) Homeowner's exemption | $125,667 (+3%) | $350,800 (+21.05%) Land $65,000 Building $285,800 |
| 2022 | $1,439.00 Homeowner's exemption | $122,007 | $289,800 Land $60,000 Building $229,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
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.
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 |
| 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.
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.
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