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1037 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1037 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,804 sqft · built 2005
Lot Size0.214 acres (9,365 sqft)
OwnerIndividual Name on File
Last Sale$179,900 (Sep 2014)
Tax Bill$2,425 (2025)
Deeds & MortgagesSep 2021 Mortgage
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN131022

Property Details

APN / Parcel Number

Primary APN131022
Alternative APN
  • 142630004800011960

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,804 sqft Heated Area
Gross Area2,416 sqft
1st Floor Area1,804 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,365 sqft (0.214 acres)
Lot Dimensions125 ft deep x 70 ft wide
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area192 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number131022
Street Address1037 SENECA TRL
CitySAINT CLOUD
StateFL
Zip34772-7362
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionINDIAN LAKES PHASE 5 & 6 PB 17 PGS 84-86 LOT 196
Legal Range30E
Legal Township26S
Legal Section14
Legal SubdivisionINDIAN LAKES
Legal Phase5
Legal Tract48
Legal Block1
Legal Lot Number196
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1021
Census Tract43303

Owner

Source: Osceola County records · APN 131022

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1037 SENECA TRL, SAINT CLOUD, FL 34772-7362
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 20, 2021Deed of Trust, Mortgage · Conventional Mortgage
NATIONSTAR MORTGAGE LLC
Jan 22, 2021Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 18, 2014 · Amount on Record
Deed SaleSep 18, 2014 · Amount on Record
Prior SaleJan 23, 2009 · Amount on Record
Deed Document Number2014138262
Deed Book / Page4668 / 1600
Record UpdatedJun 08, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1037 SENECA TRL, SAINT CLOUD, FL 34772-7362
Transaction TypeMortgage
Record UpdatedOct 01, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1037 SENECA TRL, SAINT CLOUD, FL 34772-7362

Mortgage

Document Number0060462685
DateSep 20, 2021
Book Page6046/2685
Instrument2021145233
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1037 SENECA TRL, SAINT CLOUD, FL 34772-7362
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1037 SENECA TRL, SAINT CLOUD, FL 34772-7362

Mortgage

Document Number0058760231
DateJan 22, 2021
Book Page5876/231
Instrument2021010434
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term284 Months
DueSep 01, 2044

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,425.00 (+6.73%) Homeowner's exemption$178,412 (+5.99%)$308,500 (-3.47%) Land $78,000 Building $230,500
2023$2,272.00 (+3.93%) Homeowner's exemption$168,334 (+3%)$319,600 (+23.64%) Land $60,000 Building $259,600
2022$2,186.00 Homeowner's exemption$163,432$258,500 Land $55,000 Building $203,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 133 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies133 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire RiskLow
above 34% of the US · above 9% of Florida
Wildfire LikelihoodAbout 1 in 2,439 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 213 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 50
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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