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2701 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2701 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,095 sqft · built 1999
Lot Size0.355 acres (15,464 sqft)
Owner2 Owner Names on Record
Last Sale$25,000 (Jun 1999)
Tax Bill$1,923 (2025)
Deeds & MortgagesMay 2021 Mortgage
Oct 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN85191

Property Details

APN / Parcel Number

Primary APN85191
Alternative APN
  • 152630058200012650

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,095 sqft Heated Area
Gross Area2,905 sqft
1st Floor Area2,095 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1999
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area15,464 sqft (0.355 acres)
Lot Dimensions115 ft deep x 105 ft wide
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area390 sqft
PorchOpen Porch
Porch Area390 sqft
Deck Area389 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number85191
Street Address2701 SETTLERS TRL
CitySAINT CLOUD
StateFL
Zip34772-8892
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCANOE CREEK LAKES UNIT 7 PB 9 PB 152 LOT 265
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionCANOE CREEK LAKES
Legal Tract582
Legal Block1
Legal Lot Number265
Legal Unit7P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2015
Census Tract43208

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 Record2 Owner Names on Record
Mailing Address2701 SETTLERS TRL, SAINT CLOUD, FL 34772-8892
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
May 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
NATIONSTAR MORTGAGE LLC
Oct 26, 2018Deed of Trust, Mortgage · Line of Credit
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 23, 1999 · Amount on Record
Deed SaleJun 23, 1999 · Amount on Record
Deed Document Number0162901519
Deed Book / Page01629 / 01519
Record UpdatedJun 8, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2701 SETTLERS TRL, SAINT CLOUD, FL 34772-8892
Transaction TypeMortgage
Record UpdatedJun 10, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address2701 SETTLERS TRL, SAINT CLOUD, FL 34772-8892

Mortgage

Document Number0059652228
DateMay 25, 2021
Book Page5965/2228
Instrument2021080733
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueJun 1, 2031

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2701 SETTLERS TRL, SAINT CLOUD, FL 34772-8892
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAMERICAN TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0054240917
DateOct 26, 2018
Book Page5424/0917
Instrument2018160411
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueNov 17, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,923.00 (+7.13%) Homeowner's exemption$150,325 (+5.99%)$353,700 (-2.29%) Land $75,000 Building $278,700
2023$1,795.00 (+4.24%) Homeowner's exemption$141,834 (+3%)$362,000 (+20.15%) Land $65,000 Building $297,000
2022$1,722.00 Homeowner's exemption$137,703$301,300 Land $60,000 Building $241,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 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 RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.07% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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