2611 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2611 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 1999
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jan 2020)
Tax Bill	$3,201 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85190`

Property Details

APN / Parcel Number

Primary APN	`85190`
Alternative APN	`152630058200012640`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,550 sqft Heated Area
Gross Area	2,087 sqft
1st Floor Area	1,550 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2002
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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	96 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85190
Street Address	2611 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 7 PB 9 PB 152 LOT 264
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	582
Legal Block	1
Legal Lot Number	264
Legal Unit	7P
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 December 11, 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 Record
Mailing Address	2611 SETTLERS TRL, SAINT CLOUD, FL 34772-8509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jan 2, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2020 · Amount on Record
Deed Sale	Jan 2, 2020 · Amount on Record
Prior Sale	Apr 8, 2015 · Amount on Record
Deed Document Number	2020000156
Deed Book / Page	5650 / 2328
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2611 SETTLERS TRL, SAINT CLOUD, FL 34772-8509
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2611 SETTLERS TRL, SAINT CLOUD, FL 34772-8509

Mortgage

Document Number	0058992600
Date	Feb 26, 2021
Book Page	5899/2600
Instrument	2021028646

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 2, 2020
Property Address	2611 SETTLERS TRL, SAINT CLOUD, FL 34772-8509
Document Number	0056502328
Book / Page	5650 / 2328
Map Reference	MB 9 PG 152&153
Instrument Date	Dec 19, 2019
Instrument	2020000156
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A Z TEAM TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2611 SETTLERS TRL, 2611, SAINT CLOUD, FL 34772-8509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2611 SETTLERS TRL, SAINT CLOUD, FL 34772-8509

Mortgage

Document Number	0056502330
Date	Jan 2, 2020
Instrument	5650/2330

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,201.00 (+11.73%) Homeowner's exemption	$221,725 (+10.16%)	$305,000 (-1.71%) Land $75,000 Building $230,000
2023	$2,865.00 (+3.73%) Homeowner's exemption	$201,272 (+3%)	$310,300 (+20.6%) Land $65,000 Building $245,300
2022	$2,762.00 Homeowner's exemption	$195,410	$257,300 Land $60,000 Building $197,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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.

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