4245 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4245 Settlers Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,634 sqft · built 2002
Lot Size	0.198 acres (8,624 sqft)
Owner	2 Individual Names on File
Last Sale	$256,000 (Aug 2020)
Tax Bill	$5,388 (2025)
Deeds & Mortgages	Aug 2020 Sale Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0584-0001-3380`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0584-0001-3380`
Alternative APNs	`263016058400013380` `85514`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,634 sqft Living Area
Gross Area	2,214 sqft
1st Floor Area	1,634 sqft
Flooring	Carpet
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	160 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4245 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 338
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 5
Legal Tract	584
Legal Block	3380
Legal Lot Number	338
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 assessment roll, as of November 26, 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
Mailing Address	21602 TREESHADE LN, LAKE FOREST, CA 92630-2745
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2020	Warranty Deed, Transfer NOT AVAILABLE
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES
Oct 10, 2019	Quit Claim Deed, Transfer · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2020 · Amount on Record
Deed Sale	Aug 25, 2020 · Amount on Record
Prior Sale	Aug 25, 2020 · Amount on Record
Deed Document Number	2020111844
Deed Book / Page	5780 / 978
Prior Transfer Date	Feb 18, 2014
Prior Transfer Doc	0046122639
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2020
Property Address	4245 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number	0057800975
Book / Page	005780 / 000975
Instrument Date	Aug 22, 2020
Instrument	111843
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,792.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16260 N 71ST ST SCOTTSDALE AZ 852541591, SCOTTSDALE, AZ 85254-1591
Investor	Possibly a Property Investor

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2020
Property Address	4245 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number	0057800978
Book / Page	5780 / 978
Map Reference	MB 13 PG 25
Instrument Date	Aug 22, 2020
Instrument	2020111844
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,792.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16260 N 71ST ST # ST200, 16260, SCOTTSDALE, AZ 85254-1591

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21602 TREESHADE LN, EL TORO, CA 92630-2745

Mortgage

Document Number	0005780981
Date	Aug 25, 2020
Instrument	5780/981

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 10, 2019
Property Address	4245 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number	0056031918
Book / Page	005603 / 001918
Instrument Date	Sep 20, 2019
Instrument	130959
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4245 SETTLERS CT ST CLOUD FL 347728511, ST CLOUD, FL 34772-8511

Mortgage

Document Number	56031921
Date	Oct 10, 2019
Book Page	005603/001921
Instrument	130960

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 9, 2044

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,388.00 (+4.99%)	$309,700 (-2.52%) Land $75,000 Building $234,700	$309,700 (-2.52%) Land $75,000 Building $234,700
2024	$5,132.00 (+6.43%)
2023	$4,822.00 (+13.46%)	$317,700 (+20.43%) Land $65,000 Building $252,700	$317,700 (+20.43%) Land $65,000 Building $252,700
2022	$4,250.00	$263,800 Land $60,000 Building $203,800	$263,800 Land $60,000 Building $203,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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 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

Drinking Water

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

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, 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

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.

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