Osceola County property record for 4250 Settlers Ct, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,435 sqft · built 2002 |
| Lot Size | 0.199 acres (8,668 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (May 2020) |
| Tax Bill | $3,951 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-26-30-0584-0001-3840 |
| Primary APN | 16-26-30-0584-0001-3840 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,435 sqft Living Area |
| Gross Area | 1,865 sqft |
| 1st Floor Area | 1,435 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,668 sqft (0.199 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 30 sqft |
| Patio Area | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4250 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 384 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES UNIT 5 |
| Legal Tract | 584 |
| Legal Block | 3840 |
| Legal Lot Number | 384 |
| 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 16-26-30-0584-0001-3840
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 | 4250 SETTLERS CT, SAINT CLOUD, FL 34772-8510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Aug 26, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| May 26, 2020 | Warranty Deed, Transfer · FHA Mortgage HOMETOWN LNDRS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 26, 2020 · Amount on Record |
| Deed Sale | May 26, 2020 · Amount on Record |
| Prior Sale | Jul 01, 2009 · Amount on Record |
| Deed Document Number | 202067741 |
| Deed Book / Page | 5726 / 2519 |
| Prior Transfer Date | May 11, 2012 |
| Prior Transfer Doc | 0042760705 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4250 SETTLERS CT, SAINT CLOUD, FL 34772-8510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0055790213 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 5579/0213 |
| Instrument | 2019110229 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 26, 2020 |
| Property Address | 4250 SETTLERS CT, SAINT CLOUD, FL 34772-8510 |
| Document Number | 0057262519 |
| Book / Page | 005726 / 002519 |
| Instrument Date | May 22, 2020 |
| Instrument | 67741 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4250 SETTLERS CT ST CLOUD FL 347728510, ST CLOUD, FL 34772-8510 |
| Document Number | 57262520 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 005726/002520 |
| Instrument | 67742 |
| Name | HOMETOWN LNDRS |
|---|---|
| Address | HUNTSVILLE, AL 35806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2050 |
| Document Number | 57262533, |
|---|---|
| Date | May 26, 2020 |
| Book Page | 005726/002533 |
| Instrument | 67743 |
| Name | HOMETOWN LNDRS |
|---|---|
| Address | HUNTSVILLE, AL 35806 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 25, 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 | $3,951.00 (+3.48%) Homeowner's exemption | $263,637 (+5.99%) | $284,100 (-2%) Land $75,000 Building $209,100 |
| 2024 | $3,818.00 (+2.63%) | ||
| 2023 | $3,720.00 (+3.53%) Homeowner's exemption | $248,745 (+3%) | $289,900 (+20.04%) Land $65,000 Building $224,900 |
| 2022 | $3,593.00 Homeowner's exemption | $241,500 Land $60,000 Building $181,500 | $241,500 Land $60,000 Building $181,500 |
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
| 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 Risk | High above 73% of the US · above 57% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 295 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.
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 |
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