2777 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2777 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1997
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Company Names on File
Last Sale	$169,000 (Jul 2016)
Tax Bill	$2,387 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85116`

Property Details

APN / Parcel Number

Primary APN	`85116`
Alternative APN	`152630057600010790`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,424 sqft Heated Area
Gross Area	1,946 sqft
1st Floor Area	1,424 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
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

Exterior Amenities

Porch	Open Porch
Porch Area	81 sqft
Patio Area	200 sqft
Fence	Fence
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85116
Street Address	2777 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8892
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 79
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	576
Legal Block	1
Legal Lot Number	79
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43208

Owner

Source: Osceola County assessment roll, APN 85116, as of July 1, 2025 · Last verified December 2025

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

Owner of Record	2 Company Names on File
Co-owner	Verified Secondary Owner
Mailing Address	2777 SETTLERS TRL, SAINT CLOUD, FL 34772-8892
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Jul 07, 2016 · Amount on Record
Deed Sale	Jul 07, 2016 · Amount on Record
Prior Sale	Jul 07, 2016 · Amount on Record
Deed Document Number	0049890326
Deed Book / Page	004989 / 000326
Last Transfer Date	Oct 28, 2024
Transfer Doc	0066851914
Record Updated	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2777 SETTLERS TRL, SAINT CLOUD, FL 34772-8892
Document Number	0057291988
Instrument Date	May 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2777 SETTLERS TRL ST CLOUD FL 347728892, ST CLOUD, FL 34772-8892

Mortgage

Document Number	0057291988
Date	Jun 01, 2020
Book Page	005729/001988
Instrument	69757

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 31, 2035

Tax Assessment & Valuation

Source: Osceola County assessment roll as of July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,387.00 (+6.75%) Homeowner's exemption	$176,257 (+5.99%)	$284,700 (-2%) Land $75,000 Building $209,700
2023	$2,236.00 (+4%) Homeowner's exemption	$166,301 (+3%)	$290,500 (+20.19%) Land $65,000 Building $225,500
2022	$2,150.00 Homeowner's exemption	$161,458	$241,700 Land $60,000 Building $181,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, 402 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.