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4215 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4215 Settlers Ct, Saint Cloud, FL 34772 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2002
Square Footage1,755 sqft Living Area
Lot Size8,624 sqft (0.198 acres)
OccupancyOwner Occupied
Last Sale$385,000 (2026)
Tax Bill$3,524.00 (2024)

Property Details

APN / Parcel Number

Primary APN16-26-30-0587-0001-3530
Alternative APNs
  • 263016058700013530
  • 85583

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,755 sqft Living Area
Gross Area2,240 sqft Gross Area
1st Floor1,755 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,624 sqft (0.198 acres)
Depth X Width115 ft x 75 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area441 sqft Garage
Porch Area512 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4215 SETTLERS CT
CitySAINT CLOUD
StateFL
Zip34772-8511
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK LAKES UNIT 6 PB 13 PG 34 LOT 353
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES UNIT 6
Legal Tract587
Legal Block3530
Legal Lot Number353
Legal Unit6P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2001
Census Tract43208

Owner

Source: Osceola County records · APN 16-26-30-0587-0001-3530

Assessment roll updated November 26, 2025 · Last verified May 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 Address4215 SETTLERS CT, SAINT CLOUD, FL 34772-8511
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 01, 2026Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Jul 11, 2017Deed of Trust, Mortgage · Conventional Mortgage
THE MORTGAGE FIRM INC
Apr 15, 2019Deed of Trust, Mortgage · Commercial Mortgage
CENTERSTATE BANK OF FLORIDA NA
Oct 20, 2020Warranty Deed, Transfer · Conventional Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
Apr 12, 2019Warranty Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 01, 2026 · Amount on Record
Deed SaleMay 01, 2026 · Amount on Record
Prior SaleOct 20, 2020 · Amount on Record
Deed Doc Number202657722
Deed Book / Page6964 / 2408
Record RefreshedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 01, 2026
Property Address4215 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0000057722
Book / Page6964 / 2408
Instrument DateApr 30, 2026
Instrument2026.57722
Transaction TypeTransfer
Record UpdatedMay 12, 2026
Title CompanyUNITED WHOLESALE MORTGAGE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$272,195.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4215 SETTLERS CT, SAINT CLOUD, FL 34772-8511
InvestorPossibly a Property Investor

Mortgage

Document Number0000057723,
DateMay 01, 2026
Instrument2026..57723
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate6.22%
Max Rate-1%

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4215 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051771581
DateJul 11, 2017
Book Page5177/1581
Instrument2017100825
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueAug 01, 2032

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4215 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055070836
DateApr 15, 2019
Book Page5507/0836
Instrument2019047050
Lender
NameCENTERSTATE BANK OF FLORIDA NA
TypeBank
AddressSAINT CLOUD, FL 34771
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term119 Months
DueMar 14, 2029
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 20, 2020
Property Address4215 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0058152592
Book / Page5815 / 2592
Map ReferenceMB 13 PG 34
Instrument DateOct 14, 2020
Instrument2020141398
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address305 W MIRROR LAKE DR, 305, FRUITLAND PARK, FL 34731-3515

Transferred To (Grantee/Buyer)

NameVerified Name
Address4215 SETTLERS CT, SAINT CLOUD, FL 34772-8511
InvestorPossibly a Property Investor

Mortgage

Document Number0058152594
DateOct 20, 2020
Instrument5815/2594
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 12, 2019
Property Address4215 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0055062645
Book / Page005506 / 002645
Instrument DateApr 12, 2019
Instrument46653
Transaction TypeTransfer
Record UpdatedApr 23, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$1,664.60
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4215 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 May 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$3,648.00 (+3.52%) Homeowner's exemption$246,732 (+5.99%)$333,800 (-2.82%) Land $75,000 Building $258,800
2024$3,524.00 (+2.65%)
2023$3,433.00 (+7.25%) Homeowner's exemption$232,796 (+5.91%)$343,500 (+23.25%) Land $65,000 Building $278,500
2022$3,201.00 Homeowner's exemption$219,802$278,700 Land $60,000 Building $218,700

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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