Osceola County property record for 1073 Seneca Trl, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2005 |
| Square Footage | 2,693 sqft Living Area |
| Lot Size | 8,755 sqft (0.201 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $405,000 (2022) |
| Tax Bill | $7,077.00 (2024) |
| Primary APN | 14-26-30-0048-0001-2020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 2,693 sqft Living Area |
| Gross Area | 3,560 sqft Gross Area |
| 1st Floor | 2,161 sqft 1st Floor |
| Upper Floors | 532 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,755 sqft (0.201 acres) |
| Depth X Width | 125 ft x 70 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 441 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 450 sqft Pool |
| Deck Area | 210 sqft Deck |
| Porch Area | 426 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1073 SENECA TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7362 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PHASE 5 & 6 PB 17 PGS 84-86 LOT 202 |
| 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 | 2020 |
| Legal Lot Number | 202 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 43303 |
Source: Osceola County records · APN 14-26-30-0048-0001-2020
Assessment roll updated November 26, 2025 · Last verified April 2026
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 |
|---|---|
| Mailing Address | 1073 SENECA TRL, SAINT CLOUD, FL 34772-7362 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Feb 08, 2022 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 08, 2022 · Amount on Record |
| Deed Sale | Feb 08, 2022 · Amount on Record |
| Prior Sale | Nov 28, 2005 · Amount on Record |
| Deed Doc Number | 202221155 |
| Deed Book / Page | 6146 / 75 |
| Prior Transfer Date | Dec 07, 2007 |
| Prior Transfer Doc | 0036111357 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 23, 2026 |
| Property Address | 1073 SENECA TRL, SAINT CLOUD, FL 34772-7362 |
| Document Number | 0000096583 |
| Book / Page | 7008 / 2319 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202696583 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2026 |
| Title Company | POST SETTLEMENT NAVY FEDERAL |
| Name | Verified Name |
|---|---|
| Address | 1073 SENECA TRL, SAINT CLOUD, FL 34772-7362 |
| Document Number | 0000096583, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 7008/2319 |
| Instrument | 202696583 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Aug 01, 2066 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 08, 2022 |
| Property Address | 1073 SENECA TRL, SAINT CLOUD, FL 34772-7362 |
| Document Number | 0061460075 |
| Book / Page | 6146 / 75 |
| Map Reference | MB 17 PG 84-86 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 2022021155 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | NU WORLD TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,835.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | POD 1214, COLUMBUS, MS 39703 |
| Name | Verified Name |
|---|---|
| Address | 1073 SENECA TRL, SAINT CLOUD, FL 34772-7362 |
| Document Number | 0000614677 |
|---|---|
| Date | Feb 08, 2022 |
| Instrument | 6146/77 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2052 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $6,809.00 (-3.79%) Homeowner's exemption | $423,300 (-9.55%) Land $78,000 Building $345,300 | $423,300 (-9.55%) Land $78,000 Building $345,300 |
| 2024 | $7,077.00 (-7.72%) | ||
| 2023 | $7,669.00 (+73.98%) Homeowner's exemption | $468,000 (+63.22%) Land $60,000 Building $408,000 | $468,000 (+23.55%) Land $60,000 Building $408,000 |
| 2022 | $4,408.00 Homeowner's exemption | $286,730 | $378,800 Land $55,000 Building $323,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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