1043 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1043 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,994 sqft · built 2005
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on File
Last Sale	$337,000 (Jul 2021)
Tax Bill	$4,962 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`131023`

Property Details

APN / Parcel Number

Primary APN	`131023`
Alternative APN	`142630004800011970`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,994 sqft Heated Area
Gross Area	2,836 sqft
1st Floor Area	1,994 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,756 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	401 sqft
Patio Area	420 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	131023
Street Address	1043 SENECA TRL
City	SAINT CLOUD
State	FL
Zip	34772-7362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN LAKES PHASE 5 & 6 PB 17 PGS 84-86 LOT 197
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Phase	5
Legal Tract	48
Legal Block	1
Legal Lot Number	197
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43303

Owner

Source: Osceola County records · APN 131023

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1043 SENECA TRL, SAINT CLOUD, FL 34772-7362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Mar 23, 2018	Deed of Trust, Mortgage · VA Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Sep 27, 2005 · Amount on Record
Deed Document Number	2021108446
Deed Book / Page	6000 / 2879
Record Updated	Jun 08, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1043 SENECA TRL, SAINT CLOUD, FL 34772-7362
Transaction Type	Mortgage
Record Updated	Nov 01, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1043 SENECA TRL, SAINT CLOUD, FL 34772-7362

Mortgage

Document Number	0063001893
Date	Oct 17, 2022
Book Page	6300/1893
Instrument	2022153422

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 26, 2037

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2021
Property Address	1043 SENECA TRL, SAINT CLOUD, FL 34772-7362
Document Number	0060002879
Book / Page	6000 / 2879
Map Reference	MB 17 PG 84-86
Instrument Date	Jun 10, 2021
Instrument	2021108446
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,359.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2269 JESSICA LN, 2269, KISSIMMEE, FL 34744-6448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1043 SENECA TRL, SAINT CLOUD, FL 34772-7362

Mortgage

Document Number	60002881
Date	Jul 13, 2021
Instrument	6000/2881

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1043 SENECA TRL, SAINT CLOUD, FL 34772-7362
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053060604
Date	Mar 23, 2018
Book Page	5306/0604
Instrument	2018047667

Lender

Name	TOWN SQUARE MORTGAGE & INVESTMENTS INC
Type	Mortgage Company
Address	DALLAS, TX 75248

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2048

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,962.00 (+6%) Homeowner's exemption	$320,145 (+5.99%)	$347,900 (-4.34%) Land $78,000 Building $269,900
2023	$4,681.00 (+3.45%) Homeowner's exemption	$302,062 (+3%)	$363,700 (+23.62%) Land $60,000 Building $303,700
2022	$4,525.00 Homeowner's exemption	$293,265	$294,200 Land $55,000 Building $239,200

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 133 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire Risk	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 2,439 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G (outdoors only) and 4G LTE

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