4213 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4213 Settlers Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,389 sqft · built 2002
Lot Size	0.198 acres (8,625 sqft)
Owner	Owner Name on File
Last Sale	$135,500 (Aug 2002)
Tax Bill	$1,281 (2025)
Deeds & Mortgages	Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85584`

Property Details

APN / Parcel Number

Primary APN	`85584`
Alternative APN	`162630058700013540`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,389 sqft Heated Area
Gross Area	2,111 sqft
1st Floor Area	1,389 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	281 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85584
Street Address	4213 SETTLERS CT
City	SAINT CLOUD
State	FL
Zip	34772-8511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANOE CREEK LAKES UNIT 6 PB 13 PG 34 LOT 354
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	587
Legal Block	1
Legal Lot Number	354
Legal Unit	6P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
Census Tract	43208

Owner

Source: Osceola County records · APN 85584

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Owner Name on File
Mailing Address	4213 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 28, 2002 · Amount on Record
Deed Sale	Aug 28, 2002 · Amount on Record
Prior Sale	Aug 28, 2002 · Amount on Record
Deed Document Number	0210101309
Deed Book / Page	02101 / 01309
Record Updated	Jun 08, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4213 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051340028
Date	Apr 18, 2017
Book Page	5134/0028
Instrument	2017057614

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2032

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$1,281.00 (+8.01%) Homeowner's exemption	$114,493 (+5.99%)	$286,300 (-2.05%) Land $75,000 Building $211,300
2023	$1,186.00 (+4.96%) Homeowner's exemption	$108,027 (+3%)	$292,300 (+20.34%) Land $65,000 Building $227,300
2022	$1,130.00 Homeowner's exemption	$104,881	$242,900 Land $60,000 Building $182,900

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 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

Wildfire Risk	Moderate above 68% of the US · above 47% of Florida
Wildfire Likelihood	About 1 in 410 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 192 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 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Lumen Technologies, Spectrum, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.