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4249 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4249 Settlers Ct, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,755 sqft · built 2002
Lot Size0.198 acres (8,624 sqft)
Owner2 Individual Names on File
Last Sale$192,500 (Aug 2014)
Tax Bill$2,834 (2025)
Deeds & MortgagesDec 2021 Mortgage
Mar 2020 Sale
Flood ZoneZone X (minimal risk)
APN16-26-30-0584-0001-3360

Property Details

APN / Parcel Number

Primary APN16-26-30-0584-0001-3360
Alternative APNs
  • 263016058400013360
  • 85512

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,755 sqft Living Area
Gross Area2,240 sqft
1st Floor Area1,755 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,624 sqft (0.198 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area16 sqft
PorchFinished/Open Porch
Porch Area44 sqft
Deck Area576 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4249 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 336
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES UNIT 5
Legal Tract584
Legal Block3360
Legal Lot Number336
Legal Unit5P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2001
Census Tract43208

Owner

4249 Settlers Ct is owned and occupied by two individuals who bought it in August 2014.

Source: Osceola County records, as of November 26, 2025

Owner of Record2 Individual Names on File
Mailing Address4249 SETTLERS CT, SAINT CLOUD, FL 34772-8511
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Dec 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 27, 2020Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 14, 2014 · Amount on File
Deed SaleAug 14, 2014 · Amount on File
Prior SaleJun 20, 2002 · Amount on File
Deed Document Number2014117193
Deed Book / Page4650 / 2192
Prior Transfer DateMay 6, 2004
Prior Transfer Doc0025320096
Record UpdatedJun 8, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4249 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Transaction TypeMortgage
Record UpdatedJan 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4249 SETTLERS CT, SAINT CLOUD, FL 34772-8511

Mortgage

Document Number0061160717
DateDec 27, 2021
Book Page6116/717
Instrument2021199440
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2052

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 27, 2020
Property Address4249 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number0057000396
Book / Page5700 / 396
Instrument DateMar 26, 2020
Instrument2020043967
Transaction TypeTransfer
Record UpdatedFeb 8, 2022

Transaction

AmountAmount on Record
Tax$1,865.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Tax Assessment & Valuation

The 2025 property tax bill for 4249 Settlers Ct was $2,834 with a homeowner's exemption, up 3.6% from the year before.

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$2,834.00 (+3.62%) Homeowner's exemption$201,244$332,200 Land $75,000 Building $257,200
2024$2,735.00 (+2.82%)
2023$2,660.00 (+3.78%) Homeowner's exemption$189,877 (+3%)$338,600 (+19.73%) Land $65,000 Building $273,600
2022$2,563.00 Homeowner's exemption$184,347$282,800 Land $60,000 Building $222,800

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

Flood

FEMA maps place 4249 Settlers Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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 File
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

Wildfire risk around 4249 Settlers Ct is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskHigh
above 72% of the US · above 56% of Florida
Wildfire Likelihood0.3% 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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