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2961 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2961 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,763 sqft · built 1994
Lot Size0.198 acres (8,624 sqft)
Owner2 Individual Names on Record
Last Sale$166,000 (Mar 2015)
Tax Bill$5,760 (2025)
Deeds & MortgagesJun 2023 Line of Credit
Dec 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN16-26-30-0575-0001-0210

Property Details

APN / Parcel Number

Primary APN16-26-30-0575-0001-0210
Alternative APNs
  • 263016057500010210
  • 85382

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,763 sqft Living Area
Gross Area2,355 sqft
1st Floor Area1,763 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,624 sqft (0.198 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area363 sqft
Patio Area130 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2961 SETTLERS TRL
CitySAINT CLOUD
StateFL
Zip34772-8837
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCANOE CREEK LAKES UNIT I PB 7 PGS 146-147 LOT 21
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES UNIT 1
Legal Tract575
Legal Block210
Legal Lot Number21
Legal Unit1
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2012
Census Tract43208

Owner

Source: Osceola County records, as of February 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address2961 SETTLERS TRL, SAINT CLOUD, FL 34772-8837
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Jun 26, 2023Intrafamily Transfer, Transfer · Line of Credit
QUORUM FEDERAL CU
Dec 10, 2018Deed of Trust, Mortgage · Line of Credit
FAIRWINDS CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 26, 2015 · Amount on Record
Deed SaleMar 26, 2015 · Amount on Record
Prior SaleJan 10, 2014 · Amount on Record
Deed Document Number201543462
Deed Book / Page4755 / 464
Last Transfer DateJun 16, 2023
Transfer Doc0064301896
Record UpdatedSep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJun 26, 2023
Property Address2961 SETTLERS TRL, SAINT CLOUD, FL 34772-8837
Document Number0064301896
Book / Page6430 / 1896
Map ReferenceMB 7 PG 146&147
Instrument DateJun 16, 2023
Instrument2023082133
Transaction TypeTransfer
Record UpdatedJul 11, 2023
Title CompanyNOT AVAILABLE, ASCENDANT NATIONAL TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2961 SETTLERS TRL, SAINT CLOUD, FL 34772-8837

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2961 SETTLERS TRL, SAINT CLOUD, FL 34772-8837

Mortgage

Document Number0064301899
DateJun 26, 2023
Instrument6430/1899
Lender
NameQUORUM FEDERAL CU
TypeCredit Union
Agreement
TypeLine of Credit
AmountAmount Recorded
Term181 Months
DueJul 1, 2038
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2961 SETTLERS TRL, SAINT CLOUD, FL 34772-8837
Document Number0054501098
Instrument DateDec 10, 2018
Transaction TypeMortgage
Record UpdatedJan 2, 2019
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2961 SETTLERS TRL ST CLOUD FL 347728837, ST CLOUD, FL 34772-8837

Mortgage

Document Number0054501098
DateDec 17, 2018
Book Page005450/001098
Instrument184005
Lender
NameFAIRWINDS CU
AddressORLANDO, FL 32826
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,760.00 (-5.33%)$321,600 (-2.63%) Land $75,000 Building $246,600$321,600 (-2.63%) Land $75,000 Building $246,600
2024$6,084.00 (+2.22%)
2023$5,952.00 (+149.14%)$330,300 (+89.04%) Land $65,000 Building $265,300$330,300 (+20.2%) Land $65,000 Building $265,300
2022$2,389.00 Homeowner's exemption$174,728$274,800 Land $60,000 Building $214,800

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 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 RiskModerate
above 56% of the US · lower than 71% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 199 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 50

May also be available: CenturyLink, Verizon, Xfinity.

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