3121 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3121 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,256 sqft · built 1995
Lot Size	0.251 acres (10,934 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Mar 2015)
Tax Bill	$2,981 (2025)
Deeds & Mortgages	Jul 2023 Second Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85375`

Property Details

APN / Parcel Number

Primary APN	`85375`
Alternative APN	`162630057500010140`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,256 sqft Heated Area
Gross Area	3,021 sqft
1st Floor Area	2,256 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,934 sqft (0.251 acres)
Lot Dimensions	146 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	365 sqft
Fence	Fence
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85375
Street Address	3121 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8839
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 14
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	575
Legal Block	1
Legal Lot Number	14
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
Co-owner	Co-owner on Record
Mailing Address	3121 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ADDITION FINANCIAL CU
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BEST CAPITAL FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2015 · Amount on Record
Deed Sale	Mar 25, 2015 · Amount on Record
Prior Sale	Mar 25, 2015 · Amount on Record
Deed Document Number	0047532544
Deed Book / Page	4753 / 2544
Last Transfer Date	Jul 9, 2025
Transfer Doc	0068160194
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3121 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 SETTLERS TRL, SAINT CLOUD, FL 34772-8839

Mortgage

Document Number	0064451944
Date	Jul 25, 2023
Book Page	6445/1944
Instrument	2023095824

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	KISSIMMEE, FL 34746

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 24, 2033

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3121 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055282159
Date	May 23, 2019
Book Page	5528/2159
Instrument	2019066417

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3121 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FREIBERT & MATTINGLY TTL GRO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058391879
Date	Nov 24, 2020
Book Page	5839/1879
Instrument	2020161077

Lender

Name	BEST CAPITAL FUNDING
Type	Lending Institution
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$2,981.00 (+6.5%) Homeowner's exemption	$209,427 (+5.99%)	$356,300 (-3.18%) Land $75,000 Building $281,300
2023	$2,799.00 (+3.74%) Homeowner's exemption	$197,598 (+3%)	$368,000 (+21.13%) Land $65,000 Building $303,000
2022	$2,698.00 Homeowner's exemption	$191,843	$303,800 Land $60,000 Building $243,800

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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