3001 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3001 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,236 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$158,870 (Apr 2016)
Tax Bill	$2,085 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85380`

Property Details

APN / Parcel Number

Primary APN	`85380`
Alternative APN	`162630057500010190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,236 sqft Heated Area
Gross Area	2,969 sqft
1st Floor Area	2,236 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	115 ft deep x 76 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	348 sqft
Porch	Open Porch
Porch Area	333 sqft
Deck Area	552 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85380
Street Address	3001 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8838
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 19
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	575
Legal Block	1
Legal Lot Number	19
Legal Unit	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43208

Owner

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
Mailing Address	3001 SETTLERS TRL, SAINT CLOUD, FL 34772-8838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2016 · Amount on Record
Deed Sale	Apr 18, 2016 · Amount on Record
Deed Document Number	2016056745
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3001 SETTLERS TRL, SAINT CLOUD, FL 34772-8838
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3001 SETTLERS TRL, SAINT CLOUD, FL 34772-8838

Mortgage

Document Number	0061012652
Date	Dec 7, 2021
Book Page	6101/2652
Instrument	2021188246

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3001 SETTLERS TRL, SAINT CLOUD, FL 34772-8838
Document Number	0053810910
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3001 SETTLERS TRL ST CLOUD FL 347728838, ST CLOUD, FL 34772-8838

Mortgage

Document Number	0053810910
Date	Aug 8, 2018
Book Page	005381/000910
Instrument	120976

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,085.00 (+6.98%) Homeowner's exemption	$159,379 (+5.99%)	$356,400 (-2.41%) Land $75,000 Building $281,400
2023	$1,949.00 (+4.17%) Homeowner's exemption	$150,377 (+3%)	$365,200 (+20.33%) Land $65,000 Building $300,200
2022	$1,871.00 Homeowner's exemption	$145,998	$303,500 Land $60,000 Building $243,500

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 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.

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 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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