1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Settlers Trl

2811 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2811 Settlers Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,254 sqft · built 1997
Lot Size0.221 acres (9,627 sqft)
OwnerIndividual Name on File
Last Sale$332,000 (Mar 2022)
Tax Bill$4 (2025)
Deeds & MortgagesMar 2022 Sale & Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN85113

Property Details

APN / Parcel Number

Primary APN85113
Alternative APN
  • 152630057600010760

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,254 sqft Heated Area
Gross Area1,866 sqft
1st Floor Area1,254 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,627 sqft (0.221 acres)
Lot Dimensions115 ft deep x 85 ft wide
Garage TypeFinished
Garage Area380 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area232 sqft
FenceFence
Shed1 Shed
Shed Area150 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number85113
Street Address2811 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 76
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionCANOE CREEK LAKES
Legal Tract576
Legal Block1
Legal Lot Number76
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2015
Census Tract43208

Owner

Source: Osceola County records · APN 85113

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 Address2811 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 23, 2022Warranty Deed, Transfer · VA Mortgage
NAVY FCU
Aug 26, 2020Deed of Trust, Mortgage · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 23, 2022 · Amount on Record
Deed SaleMar 23, 2022 · Amount on Record
Prior SaleJun 21, 2005 · Amount on Record
Deed Document Number2022046195
Deed Book / Page6177 / 2561
Record UpdatedJun 08, 2026

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 23, 2022
Property Address2811 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
Document Number0061772561
Book / Page6177 / 2561
Map ReferenceMB 1270 PG 49
Instrument DateMar 21, 2022
Instrument2022046195
Transaction TypeTransfer
Record UpdatedApr 05, 2022
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,324.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2811 SETTLERS TRL, 2811, SAINT CLOUD, FL 34772-8894

Transferred To (Grantee/Buyer)

NameVerified Name
Address2811 SETTLERS TRL, SAINT CLOUD, FL 34772-8894

Mortgage

Document Number0061772563
DateMar 23, 2022
Instrument6177/2563
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2811 SETTLERS TRL, SAINT CLOUD, FL 34772-8894
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address2811 SETTLERS TRL, SAINT CLOUD, FL 34772-8894

Mortgage

Document Number0057811908
DateAug 26, 2020
Book Page5781/1908
Instrument2020112928
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$276,600 (-1.81%) Land $75,000 Building $201,600$276,600 (-1.81%) Land $75,000 Building $201,600
2023$4.00 (-99.6%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$281,700 (+189.59%) Land $65,000 Building $216,700$281,700 (+20.9%) Land $65,000 Building $216,700
2022$993.00 Homeowner's exemption$97,275$233,000 Land $60,000 Building $173,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Nearby Properties on Settlers Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures