Osceola County property record for 4231 Settlers Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,412 sqft · built 2002 |
| Lot Size | 0.257 acres (11,238 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (May 2016) |
| Tax Bill | $3,326 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 85521 |
| Primary APN | 85521 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,412 sqft Heated Area |
| Gross Area | 3,157 sqft |
| 1st Floor Area | 2,412 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,238 sqft (0.257 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 283 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85521 |
|---|---|
| Street Address | 4231 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 345 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES |
| Legal Tract | 584 |
| Legal Block | 1 |
| Legal Lot Number | 345 |
| 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 85521
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 | 4231 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 16, 2016 · Amount on Record |
| Deed Sale | May 16, 2016 · Amount on Record |
| Prior Sale | Dec 08, 2015 |
| Deed Document Number | 2016073725 |
| Deed Book / Page | 4960 / 2119 |
| 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 | $3,326.00 (+6.36%) Homeowner's exemption | $228,740 (+5.99%) | $387,000 (-3.42%) Land $75,000 Building $312,000 |
| 2023 | $3,127.00 (+3.68%) Homeowner's exemption | $215,820 (+3%) | $400,700 (+21.24%) Land $65,000 Building $335,700 |
| 2022 | $3,016.00 Homeowner's exemption | $209,534 | $330,500 Land $60,000 Building $270,500 |
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 |
|---|---|
| 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 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.
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.
5G and 4G LTE
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