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4229 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4229 Settlers Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,636 sqft · built 2001
Lot Size0.278 acres (12,110 sqft)
OwnerIndividual Name on File
Last Sale$359,000 (Jun 2025)
Tax Bill$5,454 (2025)
Deeds & MortgagesJun 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN85522

Property Details

APN / Parcel Number

Primary APN85522
Alternative APN
  • 162630058400013460

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,636 sqft Heated Area
Gross Area2,214 sqft
1st Floor Area1,636 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,110 sqft (0.278 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeFinished
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area178 sqft
Patio Area216 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number85522
Street Address4229 SETTLERS CT
CitySAINT CLOUD
StateFL
Zip34772-8511
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK LAKES UNIT 5 PB 13 PG 25 LOT 346
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES
Legal Tract584
Legal Block1
Legal Lot Number346
Legal Unit5P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2001
Census Tract43208

Owner

Source: Osceola County records · APN 85522

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
Co-ownerVerified Secondary Owner
Mailing Address4229 SETTLERS CT, SAINT CLOUD, FL 34772-8511
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 09, 2025 · Amount on Record
Deed SaleJun 09, 2025 · Amount on Record
Prior SaleJan 24, 2005 · Amount on Record
Deed Document Number2025072580
Deed Book / Page6801 / 1848
Record UpdatedJun 08, 2026

June 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 09, 2025
Property Address4229 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0068011848
Book / Page6801 / 1848
Map ReferenceMB 13 PG 25
Instrument DateMay 27, 2025
Instrument2025072580
Transaction TypeTransfer
Record UpdatedApr 02, 2026
Title CompanyBLUE MOUNTAIN TITLE AND ESCROW, BLUEWATER TITLE & ESCROW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,513.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2437 KING OAK LN, SAINT CLOUD, FL 34769-6665

Transferred To (Grantee/Buyer)

NameVerified Name
Address4229 SETTLERS CT, SAINT CLOUD, FL 34772-8511

Mortgage

Document Number0068011850
DateJun 09, 2025
Instrument6801/1850
Lender
NamePLAZA HOME MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2055

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$5,454.00 (+386.53%)$304,500 (+162.52%) Land $75,000 Building $229,500$304,500 (-2.31%) Land $75,000 Building $229,500
2023$1,121.00 (+5.66%) Homeowner's exemption Senior Citizen's exemption$115,989 (+3%)$311,700 (+20.44%) Land $65,000 Building $246,700
2022$1,061.00 Homeowner's exemption Senior Citizen's exemption$112,611$258,800 Land $60,000 Building $198,800

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

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; 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 199 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 50

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

Mobile Coverage

5G and 4G LTE

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