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3180 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3180 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,026 sqft · built 1995
Lot Size0.198 acres (8,625 sqft)
Owner2 Owner Names on File
Last Sale$80,000 (Jan 2004)
Tax Bill$1,976 (2025)
Deeds & MortgagesOct 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN85427

Property Details

APN / Parcel Number

Primary APN85427
Alternative APN
  • 162630057500010660

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,026 sqft Heated Area
Gross Area2,947 sqft
1st Floor Area2,026 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,625 sqft (0.198 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area336 sqft
PorchOpen Porch
Porch Area501 sqft
Deck Area417 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number85427
Street Address3180 SETTLERS TRL
CitySAINT CLOUD
StateFL
Zip34772-8833
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCANOE CREEK LAKES UNIT I PB 7 PGS 146-147 LOT 66
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES
Legal Tract575
Legal Block1
Legal Lot Number66
Legal Unit1
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2001
Census Tract43208

Owner

The current owner of 3180 Settlers Trl bought it in January 2004.

Source: Osceola County records, as of December 11, 2025

Owner of Record2 Owner Names on File
Mailing Address3180 SETTLERS TRL, SAINT CLOUD, FL 34772-8833
OccupancyOwner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 7, 2004 · Amount on File
Deed SaleJan 7, 2004 · Amount on File
Prior SaleJan 7, 2004 · Amount on File
Deed Document Number0241801392
Deed Book / Page02418 / 01392
Record UpdatedJun 8, 2026

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3180 SETTLERS TRL, SAINT CLOUD, FL 34772-8833
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052322411
DateOct 31, 2017
Book Page5232/2411
Instrument2017156131
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressSTUART, FL 34995
Agreement
TypeLine of Credit
AmountAmount on Record
Term180 Months
DueOct 18, 2032
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 3180 Settlers Trl was $1,976 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,976.00 Homeowner's exemption$153,311$349,500 Land $75,000 Building $274,500
2023$1,846.00 (+4.23%) Homeowner's exemption$144,652 (+3%)$357,700 (+19.71%) Land $65,000 Building $292,700
2022$1,771.00 Homeowner's exemption$140,439$298,800 Land $60,000 Building $238,800

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

Flood

FEMA maps place 3180 Settlers Trl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 41 policies
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

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

Wildfire risk around 3180 Settlers Trl is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 64% of the US · lower than 60% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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