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3161 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3161 Settlers Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,383 sqft · built 1996
Lot Size0.251 acres (10,934 sqft)
OwnerIndividual Name on File
Last Sale$320,000 (Feb 2025)
Tax Bill$2,495 (2025)
Deeds & MortgagesSep 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN85373

Property Details

APN / Parcel Number

Primary APN85373
Alternative APN
  • 162630057500010120

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,383 sqft Heated Area
Gross Area1,802 sqft
1st Floor Area1,383 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 2001
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,934 sqft (0.251 acres)
Lot Dimensions146 ft deep x 75 ft wide
Garage TypeFinished
Garage Area413 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Patio Area252 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number85373
Street Address3161 SETTLERS TRL
CitySAINT CLOUD
StateFL
Zip34772-8839
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK LAKES UNIT I PB 7 PGS 146-147 LOT 12
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES
Legal Tract575
Legal Block1
Legal Lot Number12
Legal Unit1
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2012
Census Tract43208

Owner

Source: Osceola County records · APN 85373

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3161 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 12, 2025 · Amount on Record
Deed SaleFeb 12, 2025 · Amount on Record
Prior SaleSep 27, 2017 · Amount on Record
Deed Document Number2025018450
Deed Book / Page6739 / 1198
Record UpdatedJun 08, 2026

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 05, 2017
Property Address3161 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
Document Number0052042277
Book / Page5204 / 2277
Map ReferenceMB7 PG146&147
Instrument DateAug 31, 2017
Instrument2017127452
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,372.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6595 BAY TREE CT, 6595, KISSIMMEE, FL 34758

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3161 SETTLERS TRL, SAINT CLOUD, FL 34772-8839

Mortgage

Document Number0052042278
DateSep 05, 2017
Instrument5204/2278
Lender
NameENVOY MORTGAGE LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,495.00 (+6.67%) Homeowner's exemption$182,319 (+5.99%)$293,600 (-2.13%) Land $75,000 Building $218,600
2023$2,339.00 (+3.96%) Homeowner's exemption$172,021 (+3%)$300,000 (+20.14%) Land $65,000 Building $235,000
2022$2,250.00 Homeowner's exemption$167,011$249,700 Land $60,000 Building $189,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
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

Wildfire

Wildfire RiskModerate
above 57% of the US · above 28% of Florida
Wildfire LikelihoodAbout 1 in 667 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 199 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 50

May also be available at this address: AT&T, Xfinity, Verizon, Spectrum, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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