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4227 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4227 Settlers Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2002
Square Footage1,640 sqft Heated Area
Lot Size8,973 sqft (0.205 acres)
OccupancyOwner Occupied
Last Sale$450,000 (2023)
Tax Bill$6,023.00 (2025)

Property Details

APN / Parcel Number

Primary APN85523
Alternative APN
  • 162630058400013470

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,640 sqft Heated Area
Gross Area2,504 sqft Gross Area
1st Floor1,640 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2002
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,973 sqft (0.205 acres)
Depth X Width115 ft x 75 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area420 sqft Garage

Exterior Amenities

Pool Area504 sqft Pool
FenceFence
Deck Area276 sqft Deck
PorchOpen Porch
Porch Area444 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number85523
Street Address4227 SETTLERS CT
CitySAINT CLOUD
StateFL
Zip34772-8511
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK LAKES UNIT 5 PB 13 PG 25 LOT 347
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES
Legal Tract584
Legal Block1
Legal Lot Number347
Legal Unit5P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2001
Census Tract43208

Owner

Source: Osceola County records · APN 85523

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 RecordIndividual Name on File
Mailing Address4227 SETTLERS CT, SAINT CLOUD, FL 34772-8511
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 11, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
ROCKET MORTGAGE LLC
Mar 21, 2022Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN NATIONWIDE MORTGAGE COMPANY INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 11, 2023 · Amount on Record
Deed SaleMay 11, 2023 · Amount on Record
Prior SaleDec 28, 2011 · Amount on Record
Deed Doc Number2023060057
Deed Book / Page6405 / 667
Record RefreshedJun 08, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 11, 2023
Property Address4227 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0064050667
Book / Page6405 / 667
Map ReferenceMB 13 PG 25
Instrument DateApr 10, 2023
Instrument2023060057
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyPUBLIC TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2550 ZUNNIA ST, MIDDLEBURG, FL 32068-5916

Transferred To (Grantee/Buyer)

NameVerified Name
Address86303 MOONLIT WALK CIR, YULEE, FL 32097-4008

Mortgage

Document Number0006405669
DateMay 11, 2023
Instrument6405/669
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2053

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4227 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Transaction TypeMortgage
Record UpdatedApr 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4227 SETTLERS CT, SAINT CLOUD, FL 34772-8511

Mortgage

Document Number0061761421
DateMar 21, 2022
Book Page6176/1421
Instrument2022044955
Lender
NameAMERICAN NATIONWIDE MORTGAGE COMPANY INC
TypeMortgage Company
AddressTAMPA, FL 33624
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

Tax Assessment & Valuation

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

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$6,023.00 (+241.05%)$336,300 (+139.79%) Land $75,000 Building $261,300$336,300 (-1.84%) Land $75,000 Building $261,300
2023$1,766.00 (+4.25%) Homeowner's exemption$140,245 (+3%)$342,600 (+21.15%) Land $65,000 Building $277,600
2022$1,694.00 Homeowner's exemption$136,161$282,800 Land $60,000 Building $222,800

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

Wildfire

Wildfire RiskModerate
above 67% of the US · above 44% of Florida
Wildfire LikelihoodAbout 1 in 429 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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