Osceola County property record for 5530 Settlingstone Ln, Saint Cloud, FL 34771 · Last verified January 2026
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $600,000 (Jan 2026) |
| Tax Bill | $3,790 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Jul 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 042531352300014000 |
| Primary APN | 042531352300014000 |
|---|
| Lot Area | 6,098 sqft (0.139 acres) |
|---|
| Street Address | 5530 SETTLINGSTONE LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8476 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | BRIDGEWALK PH 2C PB 35 PGS 66-72 LOT 400 |
| Legal Phase | 2C |
| Legal Lot Number | 400 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43700 |
Source: Osceola County records · APN 042531352300014000
Assessment roll updated July 1, 2025 · Last verified January 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5530 SETTLINGSTONE LANE, SAINT CLOUD, FL 34771-8476 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 08, 2026 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Jul 16, 2025 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FUSION HOME LOANS LLC |
| Jan 09, 2025 | Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 08, 2026 · Amount on Record |
| Deed Sale | Jan 08, 2026 · Amount on Record |
| Prior Sale | Jul 16, 2025 · Amount on Record |
| Deed Document Number | 2026002691 |
| Deed Book / Page | 6904 / 2921 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 08, 2026 |
| Property Address | 5530 SETTLINGSTONE LN, SAINT CLOUD, FL 34771-8476 |
| Document Number | 0069042921 |
| Book / Page | 6904 / 2921 |
| Map Reference | MB 35 PG 66-72 |
| Instrument Date | Jan 05, 2026 |
| Instrument | 2026002691 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 5530 SETTINGSTONE LANE, SAINT CLOUD, FL 34771-8476 |
| Document Number | 0069042923 |
|---|---|
| Date | Jan 08, 2026 |
| Instrument | 6904/2923 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 16, 2025 |
| Property Address | 5530 SETTLINGSTONE LN, SAINT CLOUD, FL 34771-8476 |
| Document Number | 0068201590 |
| Book / Page | 6820 / 1590 |
| Map Reference | MB 35 PG 66 |
| Instrument Date | Jul 10, 2025 |
| Instrument | 2025088663 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,708.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 13743 HAULOVER BEACH LN, ORLANDO, FL 32827-7968 |
| Document Number | 0068201592 |
|---|---|
| Date | Jul 16, 2025 |
| Instrument | 6820/1592 |
| Name | FUSION HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 09, 2025 |
| Property Address | 5530 SETTLINGSTONE LN, SAINT CLOUD, FL 34771-8476 |
| Document Number | 0067222122 |
| Book / Page | 6722 / 2122 |
| Map Reference | MB 35 PG 66-72 |
| Instrument Date | Dec 30, 2024 |
| Instrument | 2025002833 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $52,731.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD, ORLANDO, FL 32811-7300 |
| Investor | Possibly a Property Investor |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,790.00 | $90,000 Land $90,000 | $90,000 Land $90,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 61.1 ft |
| Wildfire Risk | High above 84% of the US · above 75% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 117 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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