Osceola County property record for 3207 Settlers Trl, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,636 sqft · built 1995 |
| Lot Size | 0.251 acres (10,933 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $362,000 (Jul 2022) |
| Tax Bill | $4,686 (2025) |
| Deeds & Mortgages | Nov 2024 Mortgage Nov 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-26-30-0575-0001-0080 |
| Primary APN | 16-26-30-0575-0001-0080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,636 sqft Living Area |
| Gross Area | 2,119 sqft |
| 1st Floor Area | 1,636 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,933 sqft (0.251 acres) |
| Lot Dimensions | 146 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 42 sqft |
| Patio Area | 252 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3207 SETTLERS TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8840 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CANOE CREEK LAKES UNIT I PB 7 PGS 146-147 LOT 8 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES UNIT 1 |
| Legal Tract | 575 |
| Legal Block | 80 |
| Legal Lot Number | 8 |
| Legal Unit | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43208 |
Source: Osceola County records · APN 16-26-30-0575-0001-0080
Assessment roll updated November 26, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3207 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 01, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 05, 2022 | Warranty Deed, Transfer FLORIDA TITLE PROS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 05, 2022 · Amount on Record |
| Deed Sale | Jul 05, 2022 · Amount on Record |
| Prior Sale | Jan 22, 2007 · Amount on Record |
| Deed Document Number | 2022103580 |
| Deed Book / Page | 6245 / 445 |
| Prior Transfer Date | Jan 12, 2007 |
| Prior Transfer Doc | 0034101910 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3207 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3207 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
| Document Number | 0066970973 |
|---|---|
| Date | Nov 15, 2024 |
| Book Page | 6697/973 |
| Instrument | 2024145931 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3207 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3207 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
| Document Number | 0064990004 |
|---|---|
| Date | Nov 01, 2023 |
| Book Page | 6499/4 |
| Instrument | 2023144423 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Jul 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 05, 2022 |
| Property Address | 3207 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
| Document Number | 0062450445 |
| Book / Page | 6245 / 445 |
| Map Reference | MB 7 PG 146&147 |
| Instrument Date | Jun 17, 2022 |
| Instrument | 2022103580 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | FLORIDA TITLE PROS |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,534.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3340 BANKS RD APT 101, 3340, MARGATE, FL 33063-6990 |
| Name | Verified Name |
|---|---|
| Address | 3207 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,686.00 (-18.65%) Homeowner's exemption | $304,700 (-2.46%) Land $75,000 Building $229,700 | $304,700 (-2.46%) Land $75,000 Building $229,700 |
| 2024 | $5,760.00 (+2.31%) | ||
| 2023 | $5,630.00 (+20.48%) | $312,400 (+20.57%) Land $65,000 Building $247,400 | $312,400 (+20.57%) Land $65,000 Building $247,400 |
| 2022 | $4,673.00 | $259,100 Land $60,000 Building $199,100 | $259,100 Land $60,000 Building $199,100 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 41 individual NFIP policies nearby |
| 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 |
| Wildfire Risk | High above 73% of the US · above 57% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 295 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 50 |
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