4238 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4238 Settlers Ct, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,772 sqft · built 2002
Lot Size	0.198 acres (8,624 sqft)
Owner	Company Name on File
Last Sale	$298,000 (Jun 2021)
Tax Bill	$5,742 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0584-0001-3780`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0584-0001-3780`
Alternative APNs	`263016058400013780` `85534`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,772 sqft Living Area
Gross Area	2,196 sqft
1st Floor Area	1,772 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	24 sqft
Patio Area	150 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4238 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 378
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 5
Legal Tract	584
Legal Block	3780
Legal Lot Number	378
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 16-26-30-0584-0001-3780

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage GOLDMAN SACHS MORTGAGE COMPANY
Jan 13, 2022	Intrafamily Transfer, Transfer SELENE TITLE LLC
Jun 15, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
Feb 16, 2017	Special Warranty Deed, Transfer A CLEAR CHOICE TITLE & ESCRO
Feb 16, 2017	Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 15, 2021 · Amount on Record
Deed Sale	Jun 15, 2021 · Amount on Record
Prior Sale	Feb 16, 2017 · Amount on Record
Deed Document Number	202193393
Deed Book / Page	5981 / 2498
Last Transfer Date	Dec 30, 2021
Transfer Doc	0061290856
Record Updated	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4238 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	SELENE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061390734
Date	Jan 28, 2022
Book Page	6139/734
Instrument	2022015662

Lender

Name	GOLDMAN SACHS MORTGAGE COMPANY
Type	Mortgage Company
Address	NEW YORK, NY 10282

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 13, 2022
Property Address	4238 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number	0061290856
Book / Page	6129 / 856
Map Reference	MB 13 PG 25
Instrument Date	Dec 30, 2021
Instrument	2022007600
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 15, 2021
Property Address	4238 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number	0059812498
Book / Page	5981 / 2498
Map Reference	MB 13 PG 26
Instrument Date	Jun 09, 2021
Instrument	2021093393
Transaction Type	Transfer
Record Updated	Jul 06, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$2,086.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35875 ESPERIA WAY, 35875, FALLBROOK, CA 92028-6535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

February 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 16, 2017
Property Address	4238 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number	0051040053
Book / Page	5104 / 0053
Map Reference	MB13 PG25
Instrument Date	Feb 16, 2017
Instrument	2017026742
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	A CLEAR CHOICE TITLE & ESCRO

Transaction

Amount	Amount Recorded
Tax	$1,302.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2410 RUDDLESTONE WAY, 2410, KISSIMMEE, FL 34744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4238 SETTLERS CT, SAINT CLOUD, FL 34772-8510

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 16, 2017
Property Address	4238 SETTLERS CT, SAINT CLOUD, FL 34772-8510
Document Number	0051040052
Book / Page	005104 / 000052
Instrument Date	Feb 14, 2017
Instrument	26741
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4238 SETTLERS CT ST CLOUD FL 347728510, ST CLOUD, FL 34772-8510

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$5,742.00 (-3.4%)	$320,600 (-2.64%) Land $75,000 Building $245,600	$320,600 (-2.64%) Land $75,000 Building $245,600
2024	$5,944.00 (+6.79%)
2023	$5,566.00 (+13.22%)	$329,300 (+20.8%) Land $65,000 Building $264,300	$329,300 (+20.8%) Land $65,000 Building $264,300
2022	$4,916.00	$272,600 Land $60,000 Building $212,600	$272,600 Land $60,000 Building $212,600

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

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