4230 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4230 Settlers Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,886 sqft · built 2001
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Tax Bill	$5,964 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85530`

Property Details

APN / Parcel Number

Primary APN	`85530`
Alternative APN	`162630058400013740`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,886 sqft Heated Area
Gross Area	2,470 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	154 sqft
Porch	Open Porch
Porch Area	184 sqft
Deck Area	658 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85530
Street Address	4230 SETTLERS CT
City	SAINT CLOUD
State	FL
Zip	34772-8510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANOE CREEK LAKES UNIT 5 PB 13 PG 25 LOT 374
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	584
Legal Block	1
Legal Lot Number	374
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 · APN 85530

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	Individual Name on File
Mailing Address	4230 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2017	Deed of Trust, Mortgage · Line of Credit CENTRAL FLORIDA EDUCATORS FCU
Jul 19, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 06, 2020	Deed of Trust, Mortgage · Line of Credit ADDITION FIN'L CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 22, 2023
Deed Sale	Jan 22, 2023
Prior Sale	Oct 05, 2015 · Amount on Record
Deed Document Number	2022110907
Deed Book / Page	6253 / 2638
Prior Transfer Date	Jul 19, 2022
Prior Transfer Doc	2022110907
Record Updated	Jun 08, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4230 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Transaction Type	Mortgage
Record Updated	Aug 01, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052220922
Date	Oct 11, 2017
Book Page	5222/0922
Instrument	2017145548

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Oct 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2022
Property Address	4230 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number	0062532638
Book / Page	6253 / 2638
Map Reference	MB 13 PG 25
Instrument Date	Jul 15, 2022
Instrument	2022110907
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3770 MOON DANCER PL, 3770, SAINT CLOUD, FL 34772-8243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4230 SETTLERS CT, SAINT CLOUD, FL 34772-8510

Mortgage

Document Number	0062532640
Date	Jul 19, 2022
Instrument	6253/2640

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4230 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number	0057070692
Instrument Date	Apr 06, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4230 SETTLERS CT ST CLOUD FL 347728510, ST CLOUD, FL 34772-8510

Mortgage

Document Number	0057070692
Date	Apr 13, 2020
Book Page	005707/000692
Instrument	50035

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Apr 12, 2055

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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	$5,964.00 (-2.98%)	$333,000 (-2.37%) Land $75,000 Building $258,000	$333,000 (-2.37%) Land $75,000 Building $258,000
2023	$6,147.00 (+190.78%)	$341,100 (+113.91%) Land $65,000 Building $276,100	$341,100 (+20.15%) Land $65,000 Building $276,100
2022	$2,114.00 Homeowner's exemption	$159,459	$283,900 Land $60,000 Building $223,900

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 41 individual NFIP policies nearby
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

Wildfire Risk	Moderate above 67% of the US · above 44% of Florida
Wildfire Likelihood	About 1 in 429 per year
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.

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

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 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

Nearby Properties on Settlers Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures