2807 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2807 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,614 sqft · built 1996
Lot Size	0.198 acres (8,624 sqft)
Owner	Individual Name on Record
Last Sale	$231,000 (May 2019)
Tax Bill	$3,238 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage Jul 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0576-0001-0770`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0576-0001-0770`
Alternative APNs	`263015057600010770` `85114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,614 sqft Living Area
Gross Area	2,242 sqft
1st Floor Area	1,614 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
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	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Florida Room
Porch Area	228 sqft
Deck Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2807 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8894
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 77
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	CANOE CREEK LAKES UNIT 2
Legal Tract	576
Legal Block	770
Legal Lot Number	77
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 records, as of November 26, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	2807 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2019	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK
Jul 24, 2019	Correction Deed, Transfer STEWART TITLE
May 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNWOOD INC
May 10, 2017	Warranty Deed, Transfer · Construction Mortgage BERKSHIRE PROPERTY HLDGS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Prior Sale	May 10, 2017 · Amount on Record
Deed Document Number	201963435
Deed Book / Page	5525 / 1641
Prior Transfer Date	Mar 28, 2014
Prior Transfer Doc	0045882233
Record Updated	Sep 20, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 16, 2019
Property Address	2807 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
Document Number	0055251641
Book / Page	5525 / 1641
Map Reference	MB 8 PG 137
Instrument Date	May 15, 2019
Instrument	2019063435
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,617.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3486 NEWBERRY WAY, 3486, SAINT CLOUD, FL 34772-8528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2807 SETTLERS TRL, SAINT CLOUD, FL 34772-8894

Mortgage

Document Number	0055251642
Date	May 16, 2019
Instrument	5525/1642

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

July 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2019
Property Address	2807 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
Document Number	0055612068
Book / Page	005561 / 002068
Instrument Date	May 15, 2019
Instrument	95185
Transaction Type	Transfer
Record Updated	Aug 2, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,617.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2807 SETTLERS TRL ST CLOUD FL 347728894, ST CLOUD, FL 34772-8894

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2807 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
Document Number	0053410412
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2807 SETTLERS TRL ST CLOUD FL 347728894, ST CLOUD, FL 34772-8894

Mortgage

Document Number	0053410412
Date	May 29, 2018
Book Page	005341/000412
Instrument	83513

Lender

Name	SUNWOOD INC
Address	PO BOX 714, POMPANO BEACH, FL 33061-0714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 10, 2017
Property Address	2807 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
Document Number	0051452796
Book / Page	005145 / 002796
Instrument Date	Mar 23, 2017
Instrument	68856
Transaction Type	Transfer
Record Updated	Jun 26, 2017
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,504.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2807 SETTLERS TRL ST CLOUD FL 347728894, ST CLOUD, FL 34772-8894

Mortgage

Document Number	51452797
Date	May 10, 2017
Book Page	005145/002797
Instrument	68857

Lender

Name	BERKSHIRE PROPERTY HLDGS LLC
Address	2832 PAIGE DR, KISSIMMEE, FL 34741-7720

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 9, 2018

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	$3,238.00 (+3.58%) Homeowner's exemption	$223,778 (+6.9%)	$319,100 (-1.08%) Land $75,000 Building $244,100
2024	$3,126.00 (+3.82%)
2023	$3,011.00 (+3.72%) Homeowner's exemption	$209,340 (+3%)	$322,600 (+19.22%) Land $65,000 Building $257,600
2022	$2,903.00 Homeowner's exemption	$203,243	$270,600 Land $60,000 Building $210,600

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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