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1042 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1042 Seneca Trl, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,793 sqft · built 2005
Lot Size0.201 acres (8,755 sqft)
Owner2 Individual Names on Record
Last Sale$136,000 (Apr 2010)
Tax Bill$1,606 (2025)
Deeds & MortgagesApr 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN14-26-30-0048-0001-2080

Property Details

APN / Parcel Number

Primary APN14-26-30-0048-0001-2080
Alternative APNs
  • 263014004800012080
  • 131034

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,793 sqft Living Area
Gross Area2,463 sqft
1st Floor Area1,793 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,755 sqft (0.201 acres)
Lot Dimensions125 ft deep x 70 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area250 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1042 SENECA TRL
CitySAINT CLOUD
StateFL
Zip34772-7364
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionINDIAN LAKES PHASE 5 & 6 PB 17 PGS 84-86 LOT 208
Legal Range30E
Legal Township26S
Legal Section14
Legal SubdivisionINDIAN LAKES PH 5 AND 6
Legal Phase5
Legal Tract48
Legal Block2080
Legal Lot Number208
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1020
Census Tract43303

Owner

Source: Osceola County records, as of March 6, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address13721 IDA AVE, WARREN, MI 48089-5422
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 21, 2010 · Amount on Record
Deed SaleApr 21, 2010 · Amount on Record
Prior SaleNov 9, 2009
Deed Document Number201056633
Deed Book / Page3975 / 935
Last Transfer DateJul 21, 2025
Transfer Doc0068222830
Record UpdatedSep 20, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1042 SENECA TRL, SAINT CLOUD, FL 34772-7364
Document Number0057081772
Instrument DateApr 9, 2020
Transaction TypeMortgage
Record UpdatedJun 23, 2020
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1042 SECECA TRL ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number0057081772
DateApr 15, 2020
Book Page005708/001772
Instrument51551
Lender
NameFAIRWINDS CU
AddressORLANDO, FL 32826
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueApr 14, 2040

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,606.00 (+4.15%)$137,604 (+5.99%)$308,500 (-3.44%) Land $78,000 Building $230,500
2024$1,542.00 (+3.56%)
2023$1,489.00 (-0.93%) Homeowner's exemption Widower's exemption$129,832 (+3%)$319,500 (+23.69%) Land $60,000 Building $259,500
2022$1,503.00 Homeowner's exemption Widower's exemption$126,051$258,300 Land $55,000 Building $203,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 133 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies133 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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 RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 213 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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