4251 Settlers Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4251 Settlers Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,826 sqft · built 2002
Lot Size	0.198 acres (8,624 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (May 2019)
Tax Bill	$3,654 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0584-0001-3350`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0584-0001-3350`
Alternative APNs	`263016058400013350` `85511`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,826 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	1,826 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
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	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	375 sqft
Porch	Finished/Open Porch
Porch Area	54 sqft
Deck Area	717 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4251 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 335
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 5
Legal Tract	584
Legal Block	3350
Legal Lot Number	335
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 records, as of April 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4251 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Jan 4, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
May 1, 2019	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2019 · Amount on Record
Deed Sale	May 1, 2019 · Amount on Record
Prior Sale	Aug 20, 2012 · Amount on Record
Deed Document Number	201955844
Deed Book / Page	5517 / 789
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2026
Property Address	4251 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number	0000049317
Book / Page	6954 / 2998
Instrument Date	Mar 17, 2026
Instrument	202649317
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4251 SETTLERS CT, SAINT CLOUD, FL 34772-8511

Mortgage

Document Number	0000049317,
Date	Apr 14, 2026
Book Page	6954/2998
Instrument	202649317

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Dec 1, 2050

Interest

Rate	6.01%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4251 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4251 SETTLERS CT, SAINT CLOUD, FL 34772-8511

Mortgage

Document Number	0058630546
Date	Jan 4, 2021
Book Page	5863/546
Instrument	2021000030

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2019
Property Address	4251 SETTLERS CT, SAINT CLOUD, FL 34772-8511
Document Number	0055170789
Book / Page	5517 / 0789
Map Reference	MB 13 PG 25
Instrument Date	Apr 30, 2019
Instrument	2019055844
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4251 SETTLERS CT, 4251, SAINT CLOUD, FL 34772-8511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4251 SETTLERS CT, SAINT CLOUD, FL 34772-8511

Mortgage

Document Number	2019055845
Date	May 1, 2019
Instrument	2019055845

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

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	$3,654.00 (+3.51%) Homeowner's exemption	$247,033 (+5.99%)	$336,300 (-1.98%) Land $75,000 Building $261,300
2024	$3,530.00 (+2.68%)
2023	$3,438.00 (+3.62%) Homeowner's exemption	$233,079 (+3%)	$343,100 (+19.8%) Land $65,000 Building $278,100
2022	$3,318.00 Homeowner's exemption	$226,291	$286,400 Land $60,000 Building $226,400

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	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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: CenturyLink, Verizon, Xfinity.

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