2740 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2740 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,389 sqft · built 1997
Lot Size	0.198 acres (8,624 sqft)
Owner	Company Name on Record
Last Sale	$295,500 (Aug 2021)
Tax Bill	$4,999 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0576-0001-0870`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0576-0001-0870`
Alternative APNs	`263015057600010870` `85124`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,389 sqft Living Area
Gross Area	1,911 sqft
1st Floor Area	1,389 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	81 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2740 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 87
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES UNIT 2
Legal Tract	576
Legal Block	870
Legal Lot Number	87
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 April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage GOLDMAN SACHS MORTGAGE COMPANY
Jan 13, 2022	Intrafamily Transfer, Transfer SELENE TITLE LLC
Aug 19, 2021	Warranty Deed, Transfer SELENE TITLE LLC
Aug 9, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Prior Sale	Dec 14, 2011 · Amount on Record
Deed Document Number	2021129168
Deed Book / Page	6026 / 1247
Last Transfer Date	Dec 30, 2021
Transfer Doc	0061290856
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2740 SETTLERS TRL, SAINT CLOUD, FL 34772-8891
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	SELENE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061390734
Date	Jan 28, 2022
Book Page	6139/734
Instrument	2022015662

Lender

Name	GOLDMAN SACHS MORTGAGE COMPANY
Type	Mortgage Company
Address	NEW YORK, NY 10282

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 13, 2022
Property Address	2740 SETTLERS TRL, SAINT CLOUD, FL 34772-8891
Document Number	0061290856
Book / Page	6129 / 856
Map Reference	MB 8 PG 137
Instrument Date	Dec 30, 2021
Instrument	2022007600
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 19, 2021
Property Address	2740 SETTLERS TRL, SAINT CLOUD, FL 34772-8891
Document Number	0060261247
Book / Page	6026 / 1247
Map Reference	MB 8 PG 137
Instrument Date	Aug 13, 2021
Instrument	2021129168
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	SELENE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,068.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2740 SETTLERS TRL, 2740, SAINT CLOUD, FL 34772-8891

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 9, 2021
Property Address	2740 SETTLERS TRL, SAINT CLOUD, FL 34772-8891
Document Number	0060181805
Book / Page	6018 / 1805
Map Reference	MB 8 PG 137
Instrument Date	Aug 6, 2021
Instrument	2021122633
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8317 NARCOOSSEE RD APT 4306, 8317, ORLANDO, FL 32827-5618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2740 SETTLERS TRL, SAINT CLOUD, FL 34772-8891

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2740 SETTLERS TRL, SAINT CLOUD, FL 34772-8891
Document Number	0053881735
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Sep 13, 2018
Title Company	BB AND T ML POST CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2740 SETTLERS TRL ST CLOUD FL 347728891, ST CLOUD, FL 34772-8891

Mortgage

Document Number	0053881735
Date	Aug 21, 2018
Book Page	005388/001735
Instrument	127399

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2048

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	$4,999.00 (-3.1%)	$279,100 (-1.9%) Land $75,000 Building $204,100	$279,100 (-1.9%) Land $75,000 Building $204,100
2024	$5,159.00 (+6.88%)
2023	$4,827.00 (+13.02%)	$284,500 (+20.14%) Land $65,000 Building $219,500	$284,500 (+20.14%) Land $65,000 Building $219,500
2022	$4,271.00	$236,800 Land $60,000 Building $176,800	$236,800 Land $60,000 Building $176,800

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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