Osceola County property record for 2971 Settlers Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,546 sqft · built 1995 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Jul 2023) |
| Tax Bill | $5,171 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 85381 |
| Primary APN | 85381 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,546 sqft Heated Area |
| Gross Area | 2,206 sqft |
| 1st Floor Area | 1,546 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| 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 | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 220 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85381 |
|---|---|
| Street Address | 2971 SETTLERS TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | CANOE CREEK LAKES UNIT I PB 7 PGS 146-147 LOT 20 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES |
| Legal Tract | 575 |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Legal Unit | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43208 |
Source: Osceola County records, as of December 11, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4621 CYPRESS RIVER RD, SAINT CLOUD, FL 34772-7222 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2023 · Amount on Record |
| Deed Sale | Jul 11, 2023 · Amount on Record |
| Prior Sale | Feb 12, 2001 · Amount on Record |
| Deed Document Number | 2023088988 |
| Deed Book / Page | 6438 / 1862 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 11, 2023 |
| Property Address | 2971 SETTLERS TRL, SAINT CLOUD, FL 34772-8837 |
| Document Number | 0064381862 |
| Book / Page | 6438 / 1862 |
| Map Reference | MB 7 PG 146 |
| Instrument Date | Jul 10, 2023 |
| Instrument | 2023088988 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2971 SETTLERS TRL, SAINT CLOUD, FL 34772-8837 |
| Name | Verified Name |
|---|---|
| Address | 4621 CYPRESS RIVER RD, SAINT CLOUD, FL 34772-7222 |
| Document Number | 0064381864 |
|---|---|
| Date | Jul 11, 2023 |
| Instrument | 6438/1864 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,171.00 (+351.22%) | $288,700 (+172.81%) Land $75,000 Building $213,700 | $288,700 (-2.17%) Land $75,000 Building $213,700 |
| 2023 | $1,146.00 (+4.95%) Homeowner's exemption | $105,825 (+3%) | $295,100 (+20.35%) Land $65,000 Building $230,100 |
| 2022 | $1,092.00 Homeowner's exemption | $102,743 | $245,200 Land $60,000 Building $185,200 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025
| Provider | Max 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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