3271 Settlers Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3271 Settlers Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,076 sqft · built 1997
Lot Size	0.238 acres (10,367 sqft)
Owner	2 Company Names on File
Last Sale	$425,000 (Sep 2025)
Tax Bill	$3,176 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0575-0001-0040`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0575-0001-0040`
Alternative APNs	`263016057500010040` `85362`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,076 sqft Living Area
Gross Area	2,512 sqft
1st Floor Area	2,076 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,367 sqft (0.238 acres)
Lot Dimensions	139 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	338 sqft
Porch	Metal Porch
Porch Area	437 sqft
Deck Area	302 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3271 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 4
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 1
Legal Tract	575
Legal Block	40
Legal Lot Number	4
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 Company Names on File
Mailing Address	3271 SETTLERS TRL, SAINT CLOUD, FL 34772-8840
Owner Type	Company
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Sep 15, 2025	Warranty Deed, Transfer · VA Mortgage A&D MORTGAGE LLC
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jul 24, 2017	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Prior Sale	Jul 24, 2017 · Amount on Record
Deed Document Number	2025113578
Deed Book / Page	6848 / 1807
Prior Transfer Date	Oct 23, 2015
Prior Transfer Doc	0048710706
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3271 SETTLERS TRL, SAINT CLOUD, FL 34772-8840
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3271 SETTLERS TRL, SAINT CLOUD, FL 34772-8840

Mortgage

Document Number	0066331886
Date	Jul 16, 2024
Book Page	6633/1886
Instrument	2024092470

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2025
Property Address	3271 SETTLERS TRL, SAINT CLOUD, FL 34772-8840
Document Number	0068481807
Book / Page	6848 / 1807
Map Reference	MB 7 PG 146
Instrument Date	Sep 5, 2025
Instrument	2025113578
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FLORIDA TITLE, FLORIDA TITLE BIZ

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5904 NW SILAS ST, BENTONVILLE, AR 72713-6039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3271 SETTLERS TRL, SAINT CLOUD, FL 34772-8840

Mortgage

Document Number	0068481809
Date	Sep 15, 2025
Instrument	6848/1809

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3271 SETTLERS TRL, SAINT CLOUD, FL 34772-8840
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057532079
Date	Jul 13, 2020
Book Page	5753/2079
Instrument	2020090714

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2017
Property Address	3271 SETTLERS TRL, SAINT CLOUD, FL 34772-8840
Document Number	0051830236
Book / Page	005183 / 000236
Instrument Date	Jul 21, 2017
Instrument	106672
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,659.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3271 SETTLERS TRL ST CLOUD FL 347728840, ST CLOUD, FL 34772-8840

Mortgage

Document Number	51830237
Date	Jul 24, 2017
Book Page	005183/000237
Instrument	106673

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

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	$3,176.00 (+3.55%)	$220,353 (+2.9%)	$357,500 (-5.75%) Land $75,000 Building $282,500
2024	$3,067.00 (+2.75%) Homeowner's exemption	$214,143 (+3%)	$379,300 (+3.58%) Land $70,000 Building $309,300
2023	$2,985.00 (+3.72%) Homeowner's exemption	$207,906 (+3%)	$366,200 (+20.34%) Land $65,000 Building $301,200
2022	$2,878.00 Homeowner's exemption	$201,851	$304,300 Land $60,000 Building $244,300

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
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.

Nearby Properties on Settlers Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures