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4205 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4205 Settlers Ct, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,518 sqft · built 2002
Lot Size0.244 acres (10,628 sqft)
OwnerIndividual Name on File
Last Sale$27,900 (Jun 2002)
Tax Bill$4,457 (2025)
Deeds & MortgagesMar 2021 Sale & Mortgage
Mar 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN16-26-30-0587-0001-3580

Property Details

APN / Parcel Number

Primary APN16-26-30-0587-0001-3580
Alternative APNs
  • 263016058700013580
  • 85588

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,518 sqft Living Area
Gross Area1,959 sqft
1st Floor Area1,518 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,628 sqft (0.244 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area260 sqft
PorchMetal Porch
Porch Area384 sqft
Deck Area316 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4205 SETTLERS CT
CitySAINT CLOUD
StateFL
Zip34772-8511
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK LAKES UNIT 6 PB 13 PG 34 LOT 358
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES UNIT 6
Legal Tract587
Legal Block3580
Legal Lot Number358
Legal Unit6P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2001
Census Tract43208

Owner

Source: Osceola County records · APN 16-26-30-0587-0001-3580

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address4205 SETTLERS CT, SAINT CLOUD, FL 34772-8511
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 17, 2021Warranty Deed, Transfer · FHA Mortgage
BROKER SOLUTIONS INC
Mar 02, 2020Quit Claim Deed, Transfer
INSIGHT CU
Jan 12, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 19, 2002 · Amount on Record
Deed SaleJun 19, 2002 · Amount on Record
Prior SaleJun 19, 2002 · Amount on Record
Deed Book / Page2067 / 808
Last Transfer DateFeb 24, 2020
Transfer Doc0056830804
Record UpdatedJun 08, 2026

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 17, 2021
Property Address4205 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0059140202
Book / Page5914 / 202
Map ReferenceMB 13 PG 34
Instrument DateMar 15, 2021
Instrument2021039572
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,117.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4205 SETTLERS CT, 4205, SAINT CLOUD, FL 34772-8511

Transferred To (Grantee/Buyer)

NameVerified Name
Address4205 SETTLERS CT, SAINT CLOUD, FL 34772-8511

Mortgage

Document Number0005914204
DateMar 17, 2021
Instrument5914/204
Lender
NameBROKER SOLUTIONS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMar 02, 2020
Property Address4205 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0056830804
Book / Page005683 / 000804
Instrument DateFeb 24, 2020
Instrument29690
Transaction TypeTransfer
Record UpdatedMay 25, 2020
Title CompanySILK ABSTRACT COMPANY, SILK ABSTRACT CO

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4205 SETTLERS CT ST CLOUD FL 347728511, ST CLOUD, FL 34772-8511

Mortgage

Document Number56830807
DateMar 02, 2020
Book Page005683/000807
Instrument29691
Lender
NameINSIGHT CU
AddressLEESBURG, FL 34748
Agreement
AmountAmount Recorded
Term360 Months
DueMar 01, 2050

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJan 12, 2018
Property Address4205 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0052690059
Book / Page005269 / 000059
Instrument DateDec 20, 2017
Instrument7498
Transaction TypeTransfer
Record UpdatedFeb 09, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4205 SETTLERS CT ST CLOUD FL 347728511, ST CLOUD, FL 34772-8511

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,457.00 (+3.46%) Homeowner's exemption$291,910 (+5.99%)$314,300 (-1.9%) Land $75,000 Building $239,300
2024$4,308.00 (+2.55%)
2023$4,201.00 (+3.5%) Homeowner's exemption$275,422 (+3%)$320,400 (+19.82%) Land $65,000 Building $255,400
2022$4,059.00 Homeowner's exemption$267,400 Land $60,000 Building $207,400$267,400 Land $60,000 Building $207,400

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
35 of 41 on primary residences
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

Wildfire

Wildfire RiskModerate
above 68% of the US · above 47% of Florida
Wildfire LikelihoodAbout 1 in 410 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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