4226 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4226 Settlers Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,886 sqft · built 2001
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Owner Names on Record
Last Sale	$137,700 (Jan 2002)
Tax Bill	$1,963 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85528`

Property Details

APN / Parcel Number

Primary APN	`85528`
Alternative APN	`162630058400013720`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,886 sqft Heated Area
Gross Area	2,310 sqft
1st Floor Area	1,886 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
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	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	360 sqft
Porch	Open Porch
Porch Area	192 sqft
Deck Area	806 sqft
Patio Area	665 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	85528
Street Address	4226 SETTLERS CT
City	SAINT CLOUD
State	FL
Zip	34772-8510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT 5 PB 13 PG 25 LOT 372
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	584
Legal Block	1
Legal Lot Number	372
Legal Unit	5P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	4226 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Mar 27, 2019	Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC
Jul 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2002 · Amount on Record
Deed Sale	Jan 30, 2002 · Amount on Record
Deed Document Number	0199502482
Deed Book / Page	01995 / 02482
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4226 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4226 SETTLERS CT, SAINT CLOUD, FL 34772-8510

Mortgage

Document Number	0064920534
Date	Oct 19, 2023
Book Page	6492/534
Instrument	2023137677

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4226 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054972662
Date	Mar 27, 2019
Book Page	5497/2662
Instrument	2019038597

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4226 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number	0057571402
Instrument Date	Jul 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4226 SETTLERS CT ST CLOUD FL 347728510, ST CLOUD, FL 34772-8510

Mortgage

Document Number	0057571402
Date	Jul 20, 2020
Book Page	005757/001402
Instrument	94032

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 19, 2035

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,963.00 (+8.33%) Homeowner's exemption	$152,591 (+6.86%)	$343,500 (-2.28%) Land $75,000 Building $268,500
2023	$1,812.00 (+4.2%) Homeowner's exemption	$142,798 (+3%)	$351,500 (+19.11%) Land $65,000 Building $286,500
2022	$1,739.00 Homeowner's exemption	$138,639	$295,100 Land $60,000 Building $235,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025

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: CenturyLink, Verizon, Xfinity.

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