3140 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3140 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,111 sqft · built 1994
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Last Sale	$263,000 (Oct 2020)
Tax Bill	$3,630 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85425`

Property Details

APN / Parcel Number

Primary APN	`85425`
Alternative APN	`162630057500010640`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,111 sqft Heated Area
Gross Area	2,599 sqft
1st Floor Area	1,799 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	380 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85425
Street Address	3140 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8833
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 64
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	575
Legal Block	1
Legal Lot Number	64
Legal Unit	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
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	3140 SETTLERS TRL, SAINT CLOUD, FL 34772-8833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2020	Warranty Deed, Transfer · FHA Mortgage NOVUS HOME MORTGAGE
May 24, 2018	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2020 · Amount on Record
Deed Sale	Oct 26, 2020 · Amount on Record
Prior Sale	May 24, 2018 · Amount on Record
Deed Document Number	2020144446
Deed Book / Page	5819 / 703
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 26, 2020
Property Address	3140 SETTLERS TRL, SAINT CLOUD, FL 34772-8833
Document Number	0058190703
Book / Page	5819 / 703
Map Reference	MB 7 PG 146
Instrument Date	Oct 22, 2020
Instrument	2020144446
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A Z TEAM TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3140 SETTLERS TRL, 3140, SAINT CLOUD, FL 34772-8833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3140 SETTLERS TRL, SAINT CLOUD, FL 34772-8833

Mortgage

Document Number	0005819705
Date	Oct 26, 2020
Instrument	5819/705

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 24, 2018
Property Address	3140 SETTLERS TRL, SAINT CLOUD, FL 34772-8833
Document Number	0053391910
Book / Page	5339 / 1910
Map Reference	MB7 PG146
Instrument Date	May 24, 2018
Instrument	2018082081
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	TITLE PROFESSIONALS OF CENTR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,588.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	88 BUILDING 7813, JAMAICA, NY 11430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3140 SETTERS TRAIL, SAINT CLOUD, FL 34772-8833

Mortgage

Document Number	2018082082
Date	May 24, 2018
Instrument	2018082082

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 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	$3,630.00 (+6.3%) Homeowner's exemption	$245,684 (+5.99%)	$337,200 (-2.88%) Land $75,000 Building $262,200
2023	$3,415.00 (+3.61%) Homeowner's exemption	$231,806 (+3%)	$347,200 (+21.02%) Land $65,000 Building $282,200
2022	$3,296.00 Homeowner's exemption	$225,055	$286,900 Land $60,000 Building $226,900

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 100 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 64% of the US · lower than 60% 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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