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4206 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4206 Settlers Ct, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2001
Square Footage1,778 sqft Living Area
Lot Size9,713 sqft (0.223 acres)
OccupancyOwner Occupied
Last Sale$112,900 (2012)
Tax Bill$1,702.00 (2024)

Property Details

APN / Parcel Number

Primary APN16-26-30-0587-0001-3620
Alternative APNs
  • 263016058700013620
  • 85592

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,778 sqft Living Area
Gross Area2,196 sqft Gross Area
1st Floor1,778 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,713 sqft (0.223 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area400 sqft Garage

Exterior Amenities

Shed1 Shed
Shed Area80 sqft Shed
Patio Area160 sqft Patio
Porch Area18 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4206 SETTLERS CT
CitySAINT CLOUD
StateFL
Zip34772-8510
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK LAKES UNIT 6 PB 13 PG 34 LOT 362
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES UNIT 6
Legal Tract587
Legal Block3620
Legal Lot Number362
Legal Unit6P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2001
Census Tract43208

Owner

Source: Osceola County records · APN 16-26-30-0587-0001-3620

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 Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2025Deed of Trust, Mortgage · Stand Alone Second Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 27, 2023Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
Oct 05, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Sep 23, 2019Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC
Jul 24, 2018Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC
Mar 10, 2017Loan Modification, Mortgage · Line of Credit
SUNTRUST BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 07, 2012 · Amount on Record
Deed SaleMay 07, 2012 · Amount on Record
Prior SaleDec 15, 2001 · Amount on Record
Deed Doc Number201267477
Deed Book / Page4266 / 703
Prior Transfer DateApr 19, 2006
Prior Transfer Doc0031651772
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510

Mortgage

Document Number0068642637
DateOct 15, 2025
Book Page6864/2637
Instrument2025127759
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term241 Months
DueNov 01, 2045

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Transaction TypeMortgage
Record UpdatedAug 15, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510

Mortgage

Document Number0064470023
DateJul 27, 2023
Book Page6447/23
Instrument2023096779
Lender
NameTRUIST BANK
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 07, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Transaction TypeMortgage
Record UpdatedOct 19, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510

Mortgage

Document Number0060590475
DateOct 05, 2021
Book Page6059/475
Instrument2021154839
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueSep 01, 2051

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number0055971719
Instrument DateSep 23, 2019
Transaction TypeMortgage
Record UpdatedOct 22, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address4206 SETTLERS CT ST CLOUD FL 347728510, ST CLOUD, FL 34772-8510

Mortgage

Document Number0055971719
DateOct 01, 2019
Book Page005597/001719
Instrument125979
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 30, 2049

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number0053771673
Instrument DateJul 24, 2018
Transaction TypeMortgage
Record UpdatedAug 16, 2018
Title CompanyTITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

NameVerified Name
Address4206 SETTLERS CT ST CLOUD FL 347728510, ST CLOUD, FL 34772-8510

Mortgage

Document Number0053771673
DateAug 01, 2018
Book Page005377/001673
Instrument117440
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 31, 2048

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4206 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number0051182845
Instrument DateMar 10, 2017
Transaction TypeMortgage
Record UpdatedAug 17, 2018
Title CompanyAMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address4206 SETTLERS CT ST CLOUD FL 347728510, ST CLOUD, FL 34772-8510

Mortgage

Document Number0051182845
DateMar 20, 2017
Book Page005118/002845
Instrument42240
Lender
NameSUNTRUST BK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMar 19, 2047
Interest
Rate TypeAdjustable Rate

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$1,768.00 (+3.88%) Homeowner's exemption$141,664 (+5.99%)$320,300 (-2.59%) Land $75,000 Building $245,300
2024$1,702.00 (+3.28%)
2023$1,648.00 (+5.78%) Homeowner's exemption$133,663 (+3.93%)$328,800 (+21.02%) Land $65,000 Building $263,800
2022$1,558.00 Homeowner's exemption$128,608$271,700 Land $60,000 Building $211,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

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; lenders make the official flood determination.

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