Osceola County property record for 4225 Settlers Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,826 sqft · built 2002 |
| Lot Size | 0.278 acres (12,110 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $139,100 (Aug 2002) |
| Tax Bill | $1,902 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 85524 |
| Primary APN | 85524 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,826 sqft Heated Area |
| Gross Area | 2,280 sqft |
| 1st Floor Area | 1,826 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,110 sqft (0.278 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 54 sqft |
| Deck Area | 594 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85524 |
|---|---|
| Street Address | 4225 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 5 PB 13 PG 25 LOT 348 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES |
| Legal Tract | 584 |
| Legal Block | 1 |
| Legal Lot Number | 348 |
| Legal Unit | 5P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 43208 |
Source: Osceola County records · APN 85524
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 | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4225 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Aug 29, 2002 · Amount on Record |
| Deed Sale | Aug 29, 2002 · Amount on Record |
| Prior Sale | Aug 29, 2002 · Amount on Record |
| Deed Document Number | 0021022236 |
| Last Transfer Date | Apr 10, 2025 |
| Transfer Doc | 0067692975 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $1,902.00 (+7.15%) Homeowner's exemption | $149,155 (+5.99%) | $337,000 (-1.86%) Land $75,000 Building $262,000 |
| 2023 | $1,775.00 (+4.23%) Homeowner's exemption | $140,731 (+3%) | $343,400 (+19.74%) Land $65,000 Building $278,400 |
| 2022 | $1,703.00 Homeowner's exemption | $136,633 | $286,800 Land $60,000 Building $226,800 |
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
| 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 |
| Wildfire Risk | Moderate above 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 199 locations within half a mile · Last verified October 2026
| 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.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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