Osceola County property record for 4243 Settlers Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,640 sqft · built 2002 |
| Lot Size | 0.198 acres (8,624 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $376,000 (Mar 2022) |
| Tax Bill | $5,677 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-26-30-0584-0001-3390 |
| Primary APN | 16-26-30-0584-0001-3390 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,640 sqft Living Area |
| Gross Area | 2,504 sqft |
| 1st Floor Area | 1,640 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 444 sqft |
| Patio Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4243 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 339 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES UNIT 5 |
| Legal Tract | 584 |
| Legal Block | 3390 |
| Legal Lot Number | 339 |
| 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 16-26-30-0584-0001-3390
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 145 STERLING RD, ELMONT, NY 11003-2032 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Mar 21, 2022 | Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Jul 22, 2020 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 21, 2022 · Amount on Record |
| Deed Sale | Mar 21, 2022 · Amount on Record |
| Prior Sale | Jul 22, 2020 · Amount on Record |
| Deed Document Number | 202244227 |
| Deed Book / Page | 6175 / 1649 |
| Prior Transfer Date | Sep 10, 2015 |
| Prior Transfer Doc | 0048402610 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4243 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 145 STERLING RD, ELMONT, NY 11003-2032 |
| Document Number | 0063220330 |
|---|---|
| Date | Nov 30, 2022 |
| Book Page | 6322/330 |
| Instrument | 2022172123 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 21, 2022 |
| Property Address | 4243 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Document Number | 0061751649 |
| Book / Page | 6175 / 1649 |
| Map Reference | MB 13 PG 25 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 2022044227 |
| Transaction Type | Transfer |
| Record Updated | Apr 01, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,632.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4243 SETTLERS CT, 4243, SAINT CLOUD, FL 34772-8511 |
| Name | Verified Name |
|---|---|
| Address | 145 STERLING RD, ELMONT, NY 11003-2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 22, 2020 |
| Property Address | 4243 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Document Number | 0057592578 |
| Book / Page | 5759 / 2578 |
| Map Reference | MB 13 PG 25 |
| Instrument Date | Jul 22, 2020 |
| Instrument | 2020095803 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,827.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3257 LORIMAR LN, 3257, SAINT CLOUD, FL 34772-6505 |
| Name | Verified Name |
|---|---|
| Address | 4243 SETTLERS CT, SAINT CLOUD, FL 34772-8511 |
| Document Number | 0057592579 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | 5759/2579 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $5,677.00 (-5.37%) | $317,000 (-2.61%) Land $75,000 Building $242,000 | $317,000 (-2.61%) Land $75,000 Building $242,000 |
| 2024 | $5,999.00 (+2.27%) | ||
| 2023 | $5,866.00 (+88.92%) | $325,500 (+51.79%) Land $65,000 Building $260,500 | $325,500 (+20.56%) Land $65,000 Building $260,500 |
| 2022 | $3,105.00 Homeowner's exemption | $214,446 | $270,000 Land $60,000 Building $210,000 |
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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