3211 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3211 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,986 sqft · built 1995
Lot Size	0.251 acres (10,933 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Dec 2023)
Tax Bill	$4,200 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0575-0001-0070`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0575-0001-0070`
Alternative APNs	`263016057500010070` `85365`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,986 sqft Living Area
Gross Area	2,451 sqft
1st Floor Area	1,986 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	L-Shape
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Metal Porch
Porch Area	625 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3211 SETTLERS TRL
City	SAINT CLOUD
State	FL
Zip	34772-8840
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 7
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 1
Legal Tract	575
Legal Block	70
Legal Lot Number	7
Legal Unit	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of November 26, 2025

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	3211 SETTLERS TRL, SAINT CLOUD, FL 34772-8840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage LAKEVIEW LOAN SERVICING LLC
Dec 1, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 30, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	Oct 7, 1998 · Amount on Record
Deed Document Number	2023156854
Deed Book / Page	6512 / 1344
Prior Transfer Date	Jul 19, 2019
Prior Transfer Doc	0055641158
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3211 SETTLERS TRL, SAINT CLOUD, FL 34772-8840
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3211 SETTLERS TRL, SAINT CLOUD, FL 34772-8840

Mortgage

Document Number	0069021154
Date	Jan 2, 2026
Book Page	6902/1154
Instrument	2026000182

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Dec 1, 2053

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 1, 2023
Property Address	3211 SETTLERS TRL, SAINT CLOUD, FL 34772-8840
Document Number	0065121344
Book / Page	6512 / 1344
Map Reference	MB 7 PG 146&147
Instrument Date	Nov 29, 2023
Instrument	2023156854
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3636 BRISTOL COVE LN, SAINT CLOUD, FL 34772-8213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3211 SETTLERS TRL, SAINT CLOUD, FL 34772-8840

Mortgage

Document Number	0065121348
Date	Dec 1, 2023
Instrument	6512/1348

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 30, 2019
Property Address	3211 SETTLERS TRL, SAINT CLOUD, FL 34772-8840
Document Number	0055641158
Book / Page	005564 / 001158
Instrument Date	Jul 19, 2019
Instrument	97619
Transaction Type	Transfer
Record Updated	Aug 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3211 SETTLERS TRL ST CLOUD FL 347728840, ST CLOUD, FL 34772-8840

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,200.00 (+3.5%)	$277,526 (-19.02%)	$326,500 (-4.73%) Land $75,000 Building $251,500
2024	$4,058.00 (-34.28%)
2023	$6,175.00 (+430.5%)	$342,700 (+189.64%) Land $65,000 Building $277,700	$342,700 (+20.97%) Land $65,000 Building $277,700
2022	$1,164.00 Homeowner's exemption Senior Citizen's exemption	$118,320	$283,300 Land $60,000 Building $223,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 500 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	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

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: Lumen Technologies, Verizon, Xfinity.

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