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4241 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4241 Settlers Ct, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,636 sqft · built 2001
Lot Size0.198 acres (8,624 sqft)
OwnerIndividual Name on Record
Last Sale$385,000 (Sep 2026)
Tax Bill$1,818 (2025)
Deeds & MortgagesSep 2026 Sale & Mortgage
Apr 2026 Sale
Flood ZoneZone X (minimal risk)
APN16-26-30-0584-0001-3400

Property Details

APN / Parcel Number

Primary APN16-26-30-0584-0001-3400
Alternative APNs
  • 263016058400013400
  • 85516

Interior

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

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleConventional
Exterior MaterialConcrete Block/Stucco
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,624 sqft (0.198 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area288 sqft
PorchSlab
Porch Area354 sqft
Deck Area636 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4241 SETTLERS CT
CitySAINT CLOUD
StateFL
Zip34772-8511
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCANOE CREEK LAKES UNIT 5 PB 13 PG 25 LOT 340
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES UNIT 5
Legal Tract584
Legal Block3400
Legal Lot Number340
Legal Unit5P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2001
Census Tract43208

Owner

Source: Osceola County records, as of October 13, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address4241 SETTLERS CT, SAINT CLOUD, FL 34772-8511
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2026Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Apr 29, 2026Warranty Deed, Transfer
OS NATIONAL LLC, OS NATIONAL

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 22, 2026 · Amount on Record
Deed SaleSep 22, 2026 · Amount on Record
Prior SaleApr 29, 2026 · Amount on Record
Deed Document Number2026122074
Deed Book / Page7037 / 1478
Prior Transfer DateDec 23, 2005
Prior Transfer Doc0030091994
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 22, 2026
Property Address4241 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0000122074
Book / Page7037 / 1478
Instrument DateSep 17, 2026
Instrument2026122074
Transaction TypeTransfer
Record UpdatedOct 8, 2026
Title CompanyNATIONS TITLE, OS NATIONAL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$272,195.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4241 SETTLERS CT, SAINT CLOUD, FL 34772-8511

Mortgage

Document Number0000122075,
DateSep 22, 2026
Book Page7037/1480
Instrument2026122075
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2056
Interest
Max Rate-1%

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 29, 2026
Property Address4241 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0000056702
Book / Page6963 / 1173
Instrument DateApr 17, 2026
Instrument2026.56702
Transaction TypeTransfer
Record UpdatedMay 11, 2026
Title CompanyOS NATIONAL LLC, OS NATIONAL

Transaction

AmountAmount Recorded
Tax$259,186.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,818.00 (+3.83%)$144,478 (+5.99%)$329,600 (-2.05%) Land $75,000 Building $254,600
2024$1,751.00 (+3.24%)
2023$1,696.00 (+4.37%) Homeowner's exemption$136,318 (+3%)$336,500 (+18.82%) Land $65,000 Building $271,500
2022$1,625.00 Homeowner's exemption$132,348$283,200 Land $60,000 Building $223,200

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 66% of the US · above 44% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025

ProviderMax 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: CenturyLink, Verizon, Xfinity.

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