Osceola County property record for 3221 Settlers Trl, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,791 sqft · built 1994 |
| Lot Size | 0.251 acres (10,933 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $352,500 (Dec 2024) |
| Tax Bill | $4,852 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-26-30-0575-0001-0060 |
| Primary APN | 16-26-30-0575-0001-0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,791 sqft Living Area |
| Gross Area | 2,337 sqft |
| 1st Floor Area | 1,791 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| 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 | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Metal Porch |
| Porch Area | 152 sqft |
| Patio Area | 160 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3221 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 6 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES UNIT 1 |
| Legal Tract | 575 |
| Legal Block | 60 |
| Legal Lot Number | 6 |
| 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 16-26-30-0575-0001-0060
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 | 3221 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 02, 2022 | Special Warranty Deed, Transfer · Commercial Mortgage GERMAN AMERICAN CAPITAL CORPORATION |
| Mar 12, 2021 | Warranty Deed, Transfer INFINITY TITLE GROUP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 04, 2024 · Amount on Record |
| Deed Sale | Dec 04, 2024 · Amount on Record |
| Prior Sale | May 10, 2024 · Amount on Record |
| Deed Document Number | 2024152841 |
| Deed Book / Page | 6705 / 951 |
| Prior Transfer Date | Jun 16, 1999 |
| Prior Transfer Doc | 1627000847 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 02, 2022 |
| Property Address | 3221 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
| Document Number | 0061612750 |
| Book / Page | 6161 / 2750 |
| Map Reference | MB 2 PG 114-120 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 2022033599 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5001 PLAZA ON THE LK # LK200, 5001, AUSTIN, TX 78746-1070 |
| Name | Verified Name |
|---|---|
| Address | 5001 PLAZA ON THE LK STE 200, 200, AUSTIN, TX 78746-1053 |
| Investor | Possibly a Property Investor |
| Document Number | 0061612771 |
|---|---|
| Date | Mar 02, 2022 |
| Instrument | 6161/2771 |
| Name | GERMAN AMERICAN CAPITAL CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 09, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 12, 2021 |
| Property Address | 3221 SETTLERS TRL, SAINT CLOUD, FL 34772-8840 |
| Document Number | 0059110424 |
| Book / Page | 5911 / 424 |
| Map Reference | MB 7 PG 146 |
| Instrument Date | Mar 04, 2021 |
| Instrument | 2021037294 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | INFINITY TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,876.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3221 SETTLERS TRL, 3221, SAINT CLOUD, FL 34772-8840 |
| Name | Verified Name |
|---|---|
| Address | 5001 PLAZA ON THE LK STE 200, 200, AUSTIN, TX 78746-1053 |
| Investor | Possibly a Property Investor |
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 | $4,852.00 (-16.43%) | $314,000 (-2.55%) Land $75,000 Building $239,000 | $314,000 (-2.55%) Land $75,000 Building $239,000 |
| 2023 | $5,806.00 (+20.43%) | $322,200 (+20.54%) Land $65,000 Building $257,200 | $322,200 (+20.54%) Land $65,000 Building $257,200 |
| 2022 | $4,821.00 | $267,300 Land $60,000 Building $207,300 | $267,300 Land $60,000 Building $207,300 |
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 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures