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2801 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2801 Settlers Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,523 sqft · built 1998
Lot Size0.198 acres (8,625 sqft)
OwnerIndividual Name on File
Last Sale$115,000 (Sep 2009)
Tax Bill$1,254 (2025)
Deeds & MortgagesOct 2025 Second Mortgage
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN85115

Property Details

APN / Parcel Number

Primary APN85115
Alternative APN
  • 152630057600010780

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,523 sqft Heated Area
Gross Area2,167 sqft
1st Floor Area1,523 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1998
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,625 sqft (0.198 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeFinished
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area244 sqft
FenceFence
Shed1 Shed
Shed Area36 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number85115
Street Address2801 SETTLERS TRL
CitySAINT CLOUD
StateFL
Zip34772-8894
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK LAKES UNIT 2 PB 8 PG 137 LOT 78
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionCANOE CREEK LAKES
Legal Tract576
Legal Block1
Legal Lot Number78
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2015
Census Tract43208

Owner

Source: Osceola County records · APN 85115

Assessment roll updated 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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2801 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2025Deed of Trust, Mortgage · Stand-Alone Second Mortgage
ROCKET MORTGAGE LLC
Jan 25, 2021Deed of Trust, Mortgage · FHA Mortgage
CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 16, 2009 · Amount on Record
Deed SaleSep 16, 2009 · Amount on Record
Prior SaleJul 28, 2009 · Amount on Record
Deed Document Number2009148953
Deed Book / Page3890 / 0002
Record UpdatedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2801 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2801 SETTLERS TRL, SAINT CLOUD, FL 34772-8894

Mortgage

Document Number0068642163
DateOct 15, 2025
Book Page6864/2163
Instrument2025127552
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term241 Months
DueNov 01, 2045

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2801 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyDHI TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2801 SETTLERS TRL, SAINT CLOUD, FL 34772-8894

Mortgage

Document Number0058760937
DateJan 25, 2021
Book Page5876/937
Instrument2021010587
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
AddressANAHEIM, CA 92806
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term359 Months
DueDec 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,254.00 (+8.1%) Homeowner's exemption$112,937 (+5.99%)$288,000 (-2.01%) Land $75,000 Building $213,000
2023$1,160.00 (+4.98%) Homeowner's exemption$106,559 (+3%)$293,900 (+20.16%) Land $65,000 Building $228,900
2022$1,105.00 Homeowner's exemption$103,456$244,600 Land $60,000 Building $184,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
35 of 41 on primary residences
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

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