2601 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2601 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,776 sqft · built 2000
Lot Size	0.198 acres (8,624 sqft)
Owner	2 Individual Names on File
Last Sale	$368,000 (Oct 2025)
Tax Bill	$4 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0583-0001-2620`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0583-0001-2620`
Alternative APNs	`263015058300012620` `85234`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,776 sqft Living Area
Gross Area	2,216 sqft
1st Floor Area	1,776 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
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	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	40 sqft
Patio Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2601 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8509
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 262
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES UNIT 8
Legal Tract	583
Legal Block	2620
Legal Lot Number	262
Legal Unit	8P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of November 26, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	2601 SETTLERS TRL, SAINT CLOUD, FL 34772-8509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 12, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Oct 23, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 19, 2017	Quit Claim Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 23, 2025 · Amount on Record
Deed Sale	Oct 23, 2025 · Amount on Record
Prior Sale	May 6, 2016 · Amount on Record
Deed Document Number	2025131413
Deed Book / Page	6869 / 1223
Prior Transfer Date	Jul 14, 2017
Prior Transfer Doc	0051812088
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2601 SETTLERS TRL, SAINT CLOUD, FL 34772-8509
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2601 SPITTERA TRAIL, SAINT CLOUD, FL 34772

Mortgage

Document Number	0061081582
Date	Dec 15, 2021
Book Page	6108/1582
Instrument	2021193390

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2601 SETTLERS TRL, SAINT CLOUD, FL 34772-8509
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2601 SETTLERS TRL, SAINT CLOUD, FL 34772-8509

Mortgage

Document Number	0066322559
Date	Jul 12, 2024
Book Page	6632/2559
Instrument	2024091804

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2044

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 23, 2025
Property Address	2601 SETTLERS TRL, SAINT CLOUD, FL 34772-8509
Document Number	0068691223
Book / Page	6869 / 1223
Map Reference	MB 10 PG 197
Instrument Date	Oct 9, 2025
Instrument	2025131413
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	UNKNOWN, THE CLOSING CITY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,576.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2601 SETTLERS TRL, SAINT CLOUD, FL 34772-8509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2601 SETTLERS TRL, SAINT CLOUD, FL 34772-8509

Mortgage

Document Number	0068691225
Date	Oct 23, 2025
Instrument	6869/1225

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2017
Property Address	2601 SETTLERS TRL, SAINT CLOUD, FL 34772-8509
Document Number	0051812088
Book / Page	005181 / 002088
Instrument Date	Jul 14, 2017
Instrument	105281
Transaction Type	Transfer
Record Updated	Aug 14, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO/OR

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2601 SETTLERS TRL ST CLOUD FL 347728509, ST CLOUD, FL 34772-8509

Mortgage

Document Number	51812090
Date	Jul 19, 2017
Book Page	005181/002090
Instrument	105282

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2047

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	$4.00	$189,051 (+2.9%)	$322,500 (-5.73%) Land $75,000 Building $247,500
2024	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$183,724 (+3%)	$342,100 (+3.23%) Land $70,000 Building $272,100
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$178,373 (+3%)	$331,400 (+20.6%) Land $65,000 Building $266,400
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$173,178	$274,800 Land $60,000 Building $214,800

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
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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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
Lumen Technologies DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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