NOT LISTED FOR SALE

4229 Settlers Ct Saint Cloud, FL 34772

Canoe Creek Neighborhood

Estimated Value: $356,000 - $371,000

3 Beds
2 Baths
1,636 Sq Ft
$221/Sq Ft Est. Value

Last Sold June 02, 2025

Last sale price $359,000 $219 Per Sq Ft

Est. 1% increase in value since last sale

Current estimated payment $2,026/month

29 Days on Market

Highlights

  • 75 Feet of Lake Waterfront
  • Wood Flooring
  • Formal Dining Room
  • Valdez Elementary School Rated A-
  • High Ceiling
  • Oversized Lot

About This Home

As of June 2025

Welcome Home! Beautiful 3BD 2BA lakefront home in the desirable Canoe Creek Lakes community of St. Cloud, FL! Spacious home sitting on an oversized 12,000+ sq. ft. lot (75ft of water frontage!). Enjoy a multitude of features such as stunning water views from the private patio and expansive yard, a well-appointed kitchen with a breakfast bar and pantry, and a primary bedroom with a large en-suite bath featuring dual sinks, separate bathtub and shower, plus a massive walk-in closet. The attached 2-car garage and grand driveway accommodate multiple cars. Recent upgrades include a 2020 roof and 2017 AC. Canoe Creek Lakes is a quiet community with a very low HOA of just $300/year. Centrally located with easy access to the FL Turnpike, local shops, restaurants and entertainment, and less than 30 minutes away from Disney World! Equal Housing Opportunity.

Last Agent to Sell the Property

Paulina Hurtado

CENTURY 21 GLOBAL CONNECTIONS Brokerage Phone: 954-284-3400 License #3159430 Listed on: 03/27/2025

CENTURY 21 GLOBAL CONNECTIONS

Last Buyer's Agent

Brittany Pride

EXP REALTY LLC License #3400962

EXP REALTY LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,169

Year Built

  • Built in 2001

Lot Details

  • 0.28 Acre Lot
  • Lot Dimensions are 129x75
  • 75 Feet of Lake Waterfront
  • Lake Front
  • Street terminates at a dead end
  • Southwest Facing Home
  • Fenced
  • Oversized Lot
  • Level Lot
  • Property is zoned SR1B

HOA Fees

  • $25 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Driveway

Home Design

  • Slab Foundation
  • Shingle Roof
  • Concrete Siding
  • Block Exterior

Interior Spaces

  • 1,636 Sq Ft Home
  • 1-Story Property
  • High Ceiling
  • Ceiling Fan
  • Blinds
  • Living Room
  • Formal Dining Room
  • Lake Views
  • Walk-Up Access
  • Fire and Smoke Detector

Kitchen

  • Range
  • Microwave
  • Dishwasher

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Washer and Electric Dryer Hookup

Outdoor Features

  • Patio
  • Exterior Lighting

Schools

  • St Cloud Elementary School
  • St. Cloud Middle School
  • St. Cloud High School

Utilities

  • Central Heating and Cooling System

Community Details

  • Kaitlin Marshall Association, Phone Number (407) 781-1163
  • Visit Association Website
  • Canoe Creek Lakes Unit 5 Subdivision
  • On-Site Maintenance
  • The community has rules related to deed restrictions

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,169

Year Built

Built in 2001

Lot Details

0

HOA Fees

$25 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Architectural Style: Ranch
  • Construction Materials: Block, Concrete
  • Fireplace: No
  • Living Area: 1636
  • Lot Size Acres: 0.28
  • New Construction: No
  • Year Built: 2001
  • Building Area Total: 2214
  • Lot Size Sq Ft: 12110
  • Status: Sold
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 205.69
  • Escrow State: FL
  • Minimum Lease: No Minimum
  • Number Of Pets: 3
  • RATIO Current Price By Calculate: 219.44
  • Total Acreage: 1/4 to less than 1/2
  • Water Access YN: 0
  • Property Description: Walk-Up
  • AG Exemption YN: 0
  • MFR_InLawSuiteYN: 0
  • MFR_DockYN: 0
  • Attribution Contact: 954-284-3400
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Tile, Wood
  • Full Bathrooms: 2
  • Interior Amenities: Ceiling Fans(s), High Ceilings, Primary Bedroom Main Floor, Split Bedroom, Walk-In Closet(s)
  • Appliances Included: Dishwasher, Microwave, Range, Refrigerator
  • Foundation Details: Slab
  • Total Bedrooms: 3
  • Levels: One
  • Spa Yn: No
  • Stories: 1
  • Window Features: Blinds
  • Additional Rooms: Formal Dining Room Separate
  • Living Area Meters: 151.99

Exterior Features

  • Direction Faces: Southwest
  • Other Structures: Other
  • Exterior Features: Lighting, Sidewalk
  • Roof: Shingle
  • Pool Private: No
  • View: Water
  • Waterfront: Yes
  • Patio and Porch Features: Patio
  • Road Surface Type: Asphalt
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 75
  • Flood Zone Panel: 12097C0260G
  • Water Frontage Feet Lake: 75

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Covered, Driveway

Utilities

  • Utilities: Public
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Deed Restrictions, Sidewalks, Street Lights
  • Association Amenities: Maintenance
  • Association Fee: 300
  • Association Fee Frequency: Annually
  • Association Name: Kaitlin Marshall
  • Phone: 407-781-1163
  • Association: Yes
  • Security: Smoke Detector(s)
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Complex Community Name Nccb: CANOE CREEK LAKES
  • Pet Restrictions: No more than 3 dogs, 3 cats and/or 5 birds shall be kept (please refer to HOA docs for pet restriction clause)
  • Association Fee Requirement: Required
  • Association Email: kmarshall@lelandmanagement.com
  • Association URL: www.lelandmanagement.com

Fee Information

  • Total Annual Fees: 300.00
  • Total Monthly Fees: 25.00
  • Monthly HOA Amount: 25.00

Schools

  • Elementary School: St Cloud Elem
  • High School: St. Cloud High School
  • Middle Or Junior School: St. Cloud Middle (6-8)

Lot Info

  • Zoning: SR1B
  • Parcel Number: 16-26-30-0584-0001-3460
  • Additional Parcels: No
  • Fencing: Fenced
  • Lot Features: City Limits, Level, Oversized Lot, Sidewalk, Street Dead-End, Paved
  • Lot Dimensions: 129x75
  • Property Attached Yn: No
  • Flood Zone Code: X

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Cats OK, Dogs OK, Number Limit, Yes
  • Lease Restrictions YN: 0

Tax Info

  • Tax Annual Amount: 1169
  • Tax Block: 1
  • Tax Book Number: 13-25
  • Tax Lot: 346

Multi Family

  • Waterfront Features: Lake Front

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 27, 2025
Closed on
May 29, 2025
Sold by
Vanegas William and Vanegas Lillyam
Bought by
Miller Jason Randolph and Miller Diana Marie
Seller's Agent
Paulina Hurtado
CENTURY 21 GLOBAL CONNECTIONS
Buyer's Agent
Brittany Pride
EXP REALTY LLC
List Price
$359,000
Sold Price
$359,000
Views
58
Current Estimated Value
$362,282

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$3,282
Avg. Annual Appreciation
1.77%
Original Mortgage
$234,000
Outstanding Balance
$232,993
Interest Rate
6.81%
Mortgage Type
New Conventional
Estimated Equity
$129,289

Purchase Details

Closed on
Dec 28, 2004
Sold by
Mathews James W and Mathews Andrea D
Bought by
Vanegas William and Vanegas Lillyam

Purchase Details

Closed on
Dec 28, 2001
Sold by
Arnco Const Inc
Bought by
Mathews James W

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$133,980
Interest Rate
6.72%
Mortgage Type
FHA

Purchase Details

Closed on
Oct 5, 2001
Sold by
Settlers Village Inc
Bought by
Arnco Const Inc
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Miller Jason Randolph $359,000 Bluewater Title
Miller Jason Randolph $359,000 Bluewater Title
Vanegas William $189,000 Gulf Coast Title Closings &
Mathews James W $135,800 --
Arnco Const Inc $27,900 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Miller Jason Randolph $234,000
Closed Miller Jason Randolph $234,000
Previous Owner Mathews James W $133,980
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
06/02/2025 06/02/25 Sold $359,000 0.0% $219 / Sq Ft
04/25/2025 04/25/25 Pending -- -- --
03/27/2025 03/27/25 For Sale $359,000 -- $219 / Sq Ft
Source: Stellar MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $1,169 $304,500 $75,000 $229,500
2024 $1,122 $119,468 -- --
2023 $1,122 $115,989 $0 $0
2022 $1,062 $112,611 $0 $0
2021 $1,037 $109,332 $0 $0
2020 $1,020 $107,823 $0 $0
2019 $994 $105,399 $0 $0
2018 $971 $103,434 $0 $0
2017 $958 $101,307 $0 $0
2016 $930 $99,224 $0 $0
2015 $945 $98,535 $0 $0
2014 $938 $97,753 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Paulina Hurtado

    Seller's Agent in 2025

    Paulina Hurtado

    CENTURY 21 GLOBAL CONNECTIONS

    (754) 581-3452

    1 in this area

    80 Total Sales

    Paulina Hurtado
    Section Image
  • Brittany Pride

    Buyer's Agent in 2025

    Brittany Pride

    EXP REALTY LLC

    (407) 721-0939

    7 in this area

    119 Total Sales

    Brittany Pride
    Section Image
See All Agents

Map

Source: Stellar MLS

MLS Number: O6293609

Stellar MLS

APN: 16-26-30-0584-0001-3460

Florida Osceola County Saint Cloud 34772 Canoe Creek

4229 Settlers Ct, Saint Cloud, FL

Not Listed for Sale

Detached

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Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393

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