2720 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2720 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,572 sqft · built 1997
Lot Size	0.228 acres (9,975 sqft)
Owner	Individual Name on File
Last Sale	$347,000 (Aug 2025)
Tax Bill	$3,232 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Feb 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85123`

Property Details

APN / Parcel Number

Primary APN	`85123`
Alternative APN	`152630057600010860`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,572 sqft Heated Area
Gross Area	2,020 sqft
1st Floor Area	1,572 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	9,975 sqft (0.228 acres)
Lot Dimensions	115 ft deep x 87 ft wide
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85123
Street Address	2720 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8891
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT 2 PB 8 PG 137 LOT 86
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	576
Legal Block	1
Legal Lot Number	86
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 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	Individual Name on File
Mailing Address	2720 SETTLERS TRL, SAINT CLOUD, FL 34772-8891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 12, 2025	Warranty Deed, Transfer OS NATIONAL LLC
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2025 · Amount on File
Deed Sale	Aug 14, 2025 · Amount on File
Prior Sale	Feb 12, 2025 · Amount on File
Deed Document Number	2025101502
Deed Book / Page	6834 / 2580
Record Updated	Sep 20, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 14, 2025
Property Address	2720 SETTLERS TRL, SAINT CLOUD, FL 34772-8891
Document Number	0068342580
Book / Page	6834 / 2580
Map Reference	MB 8 PG 137
Instrument Date	Aug 7, 2025
Instrument	2025101502
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,429.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1000, RD1000, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2720 SETTLERS TRL, SAINT CLOUD, FL 34772-8891

Mortgage

Document Number	0068342582
Date	Aug 14, 2025
Book Page	6834/2582
Instrument	2025101503

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 12, 2025
Property Address	2720 SETTLERS TRL, SAINT CLOUD, FL 34772-8891
Document Number	0067390377
Book / Page	6739 / 377
Map Reference	MB 8 PG 137
Instrument Date	Jan 24, 2025
Instrument	2025018284
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$2,050.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2711 MYERS DR NE, PALM BAY, FL 32905-2711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2720 SETTLERS TRL, SAINT CLOUD, FL 34772-8891
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058111099
Date	Oct 13, 2020
Book Page	5811/1099
Instrument	2020137681

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	313 Months
Due	Nov 1, 2046

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	$3,232.00 (+6.39%) Homeowner's exemption	$223,469 (+5.99%)	$319,700 (-2.65%) Land $75,000 Building $244,700
2023	$3,038.00 (+3.72%) Homeowner's exemption	$210,847 (+3%)	$328,400 (+20.78%) Land $65,000 Building $263,400
2022	$2,929.00 Homeowner's exemption	$204,706	$271,900 Land $60,000 Building $211,900

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 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.

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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