1061 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1061 Seneca Trl, Saint Cloud, FL 34772 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,793 sqft · built 2005
Lot Size	0.201 acres (8,755 sqft)
Owner	2 Individual Names on File
Last Sale	$426,000 (Apr 2024)
Tax Bill	$4,953 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0048-0001-2000`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0048-0001-2000`
Alternative APNs	`263014004800012000` `131026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,793 sqft Living Area
Gross Area	2,405 sqft
1st Floor Area	1,793 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,755 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	208 sqft
Porch	Finished/Open Porch
Porch Area	192 sqft
Deck Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1061 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 200
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES PH 5 AND 6
Legal Phase	5
Legal Tract	48
Legal Block	2000
Legal Lot Number	200
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43303

Owner

Source: Osceola County records · APN 14-26-30-0048-0001-2000

Assessment roll updated November 26, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 07, 2025	Deed of Trust, Mortgage · VA Mortgage EQUITABLE MORTGAGE & REALTY INC
Apr 22, 2024	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 04, 2024	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Jun 16, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Apr 08, 2019	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Apr 12, 2018	Quit Claim Deed, Transfer FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2024 · Amount on Record
Deed Sale	Apr 22, 2024 · Amount on Record
Prior Sale	Jan 04, 2024 · Amount on Record
Deed Document Number	202451797
Deed Book / Page	6586 / 2493
Prior Transfer Date	Apr 09, 2024
Prior Transfer Doc	0065812733
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362
Transaction Type	Mortgage
Record Updated	Jul 01, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362

Mortgage

Document Number	0068772397
Date	Nov 07, 2025
Book Page	6877/2397
Instrument	2025138451

Lender

Name	EQUITABLE MORTGAGE & REALTY INC
Type	Mortgage Company
Address	LOS ANGELES, CA 90034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 COLORA CT, CARY, NC 27513-2834

Mortgage

Document Number	0065862497
Date	Apr 22, 2024
Book Page	6586/2497
Instrument	2024051799

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	1400 FORUM BLVD STE 18, COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 04, 2024
Property Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362
Document Number	0065290033
Book / Page	6529 / 33
Map Reference	MB 17 PG 84-86
Instrument Date	Jan 04, 2024
Instrument	2024001293
Transaction Type	Transfer
Record Updated	Jul 01, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,628.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 W GLEE ST, DIXON, MO 65459-9409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 16, 2023
Property Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362
Document Number	0064260777
Book / Page	6426 / 777
Map Reference	MB 17 PG 84-86
Instrument Date	Jun 01, 2023
Instrument	2023078292
Transaction Type	Transfer
Record Updated	Jul 03, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	WATSON TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052612336
Date	Dec 29, 2017
Book Page	5261/2336
Instrument	2017185542

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Oct 01, 2045

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 08, 2019
Property Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362
Document Number	0055041132
Book / Page	5504 / 1132
Map Reference	MB 17 PG 84-86
Instrument Date	Apr 04, 2019
Instrument	2019044080
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5849 JACK BRACK RD, 5849, SAINT CLOUD, FL 34771-9239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362

Mortgage

Document Number	2019044081
Date	Apr 08, 2019
Instrument	2019044081

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2049

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 12, 2018
Property Address	1061 SENECA TRL, SAINT CLOUD, FL 34772-7362
Document Number	0053152227
Book / Page	005315 / 002227
Instrument Date	Apr 03, 2018
Instrument	57546
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	MORTGAGE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$535.50
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1061 SENECA TRL ST CLOUD FL 347727362, ST CLOUD, FL 34772-7362

Mortgage

Document Number	53152228
Date	Apr 12, 2018
Book Page	005315/002228
Instrument	57547

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 11, 2033

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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	$4,953.00 (+49.77%)	$324,600 (+46.91%) Land $78,000 Building $246,600	$324,600 (-3.34%) Land $78,000 Building $246,600
2024	$3,307.00 (+2.7%)
2023	$3,220.00 (+3.67%) Homeowner's exemption	$220,958 (+3%)	$335,800 (+22.73%) Land $60,000 Building $275,800
2022	$3,106.00 Homeowner's exemption	$214,523	$273,600 Land $55,000 Building $218,600

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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