3185 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3185 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,662 sqft · built 1994
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Mar 2022)
Tax Bill	$5,559 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85371`

Property Details

APN / Parcel Number

Primary APN	`85371`
Alternative APN	`162630057500010100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,662 sqft Heated Area
Gross Area	2,074 sqft
1st Floor Area	1,362 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	146 ft deep x 85 ft wide
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	332 sqft
Patio Area	616 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85371
Street Address	3185 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 10
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	575
Legal Block	1
Legal Lot Number	10
Legal Unit	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43208

Owner

3185 Settlers Trl is owned and occupied by an individual who bought it in March 2022.

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

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

Owner of Record	Individual Name on File
Mailing Address	3185 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Dec 7, 2021	Warranty Deed, Transfer OS NATIONAL LLC
May 6, 2019	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2022 · Amount on File
Deed Sale	Mar 25, 2022 · Amount on File
Prior Sale	Dec 7, 2021 · Amount on File
Deed Document Number	2022047693
Deed Book / Page	6179 / 1801
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 25, 2022
Property Address	3185 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
Document Number	0061791801
Book / Page	6179 / 1801
Map Reference	MB 7 PG 146&147
Instrument Date	Mar 22, 2022
Instrument	2022047693
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3185 SETTLERS TRL, SAINT CLOUD, FL 34772-8839

Mortgage

Document Number	0061791803
Date	Mar 25, 2022
Instrument	6179/1803

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 7, 2021
Property Address	3185 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
Document Number	0061011913
Book / Page	6101 / 1913
Map Reference	MB 7 PG 147
Instrument Date	Dec 2, 2021
Instrument	2021188052
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$2,296.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3185 SETTLERS TRL, SAINT CLOUD, FL 34772-8839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 6, 2019
Property Address	3185 SETTLERS TRL, SAINT CLOUD, FL 34772-8839
Document Number	0055192756
Book / Page	005519 / 002756
Instrument Date	May 3, 2019
Instrument	58299
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3185 SETTLERS TRL ST CLOUD FL 347728839, ST CLOUD, FL 34772-8839

Mortgage

Document Number	55192757
Date	May 6, 2019
Book Page	005519/002757
Instrument	58300

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3185 Settlers Trl was $5,559.

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	$5,559.00	$310,400 Land $75,000 Building $235,400	$310,400 Land $75,000 Building $235,400
2023	$5,734.00 (+20.34%)	$318,200 (+20.44%) Land $65,000 Building $253,200	$318,200 (+20.44%) Land $65,000 Building $253,200
2022	$4,765.00	$264,200 Land $60,000 Building $204,200	$264,200 Land $60,000 Building $204,200

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

Flood

FEMA maps place 3185 Settlers Trl in Zone X, an area of minimal flood risk, within 500 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 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 File 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

Wildfire risk around 3185 Settlers Trl is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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