Osceola County property record for 4233 Settlers Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,634 sqft · built 2002 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,600 (May 2002) |
| Tax Bill | $1,693 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85520 |
| Primary APN | 85520 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,634 sqft Heated Area |
| Gross Area | 2,214 sqft |
| 1st Floor Area | 1,634 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| 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 | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 308 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 160 sqft |
| Deck Area | 346 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85520 |
|---|---|
| Street Address | 4233 SETTLERS CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8511 |
| 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 344 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES |
| Legal Tract | 584 |
| Legal Block | 1 |
| Legal Lot Number | 344 |
| 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 85520
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 | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4233 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2022 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| May 05, 2021 | Deed of Trust, Mortgage · Commercial Mortgage SOUTH STATE BANK NATIONAL ASSOCIATION |
| Jan 13, 2021 | Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Sep 19, 2019 | Deed of Trust, Mortgage · VA Mortgage FIRSTBANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 2002 · Amount on Record |
| Deed Sale | May 31, 2002 · Amount on Record |
| Deed Document Number | 0205801072 |
| Deed Book / Page | 02058 / 01072 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4233 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2022 |
| Title Company | AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4233 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Document Number | 0061490738 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 6149/738 |
| Instrument | 2022023754 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4233 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 4233 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Document Number | 0059511163 |
|---|---|
| Date | May 05, 2021 |
| Book Page | 5951/1163 |
| Instrument | 2021068946 |
| Name | SOUTH STATE BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 04, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4233 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4233 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Document Number | 0058692228 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 5869/2228 |
| Instrument | 2021005267 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4233 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Document Number | 0056031078 |
| Instrument Date | Sep 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4233 SETTLERS CT ST CLOUD FL 347728511, ST CLOUD, FL 34772-8511 |
| Document Number | 0056031078 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 005603/001078 |
| Instrument | 130727 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 09, 2049 |
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 | $1,693.00 (+7.36%) Homeowner's exemption | $137,473 (+5.99%) | $317,800 (-1.82%) Land $75,000 Building $242,800 |
| 2023 | $1,577.00 (+4.44%) Homeowner's exemption | $129,708 (+3%) | $323,700 (+19.84%) Land $65,000 Building $258,700 |
| 2022 | $1,510.00 Homeowner's exemption | $125,931 | $270,100 Land $60,000 Building $210,100 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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 as of December 31, 2025 · Last verified October 2026
| 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: Lumen Technologies, Verizon, Xfinity.
Based on FCC filings for 199 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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