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1100 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1100 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,444 sqft · built 2003
Lot Size0.201 acres (8,756 sqft)
OwnerIndividual Name on File
Last Sale$198,000 (Jan 2016)
Tax Bill$3,361 (2025)
Deeds & MortgagesSep 2020 Mortgage
Aug 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN84795

Property Details

APN / Parcel Number

Primary APN84795
Alternative APN
  • 142630002800010120

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,444 sqft Heated Area
Gross Area3,161 sqft
1st Floor Area2,444 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,756 sqft (0.201 acres)
Lot Dimensions125 ft deep x 70 ft wide
Garage TypeFinished
Garage Area484 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area233 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number84795
Street Address1100 SENECA TRL
CitySAINT CLOUD
StateFL
Zip34772-7383
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionINDIAN LAKES PB 13 PG 93-95 LOT 12
Legal Range30E
Legal Township26S
Legal Section14
Legal SubdivisionINDIAN LAKES
Legal Tract28
Legal Block1
Legal Lot Number12
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1020
Census Tract43303

Owner

Source: Osceola County records · APN 84795

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 Address1100 SENECA TRL, SAINT CLOUD, FL 34772-7383
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 18, 2020Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Aug 14, 2020Loan Modification, Mortgage · FHA Mortgage
MONEY SOURCE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 05, 2016 · Amount on Record
Deed SaleJan 05, 2016 · Amount on Record
Prior SaleJul 09, 2015
Deed Document Number2016000948
Deed Book / Page4894 / 1910
Record UpdatedJun 08, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1100 SENECA TRL, SAINT CLOUD, FL 34772-7383
Transaction TypeMortgage
Record UpdatedFeb 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1100 SENECA TRL, SAINT CLOUD, FL 34772-7383

Mortgage

Document Number0057960208
DateSep 18, 2020
Book Page5796/208
Instrument2020125028
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2050

August 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1100 SENECA TRL, SAINT CLOUD, FL 34772-7383
Document Number0057960200
Instrument DateAug 14, 2020
Transaction TypeMortgage
Record UpdatedOct 21, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1100 SENECA TRL ST CLOUD FL 347727383, ST CLOUD, FL 34772-7383

Mortgage

Document Number0057960200
DateSep 18, 2020
Book Page005796/000200
Instrument125027
Lender
NameMONEY SOURCE
TypeFunding / Finance Company
AddressMERIDEN, CT 06450
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 17, 2050
Interest
Rate TypeFixed Rate
Rate3.5%

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$3,361.00 (+6.36%) Homeowner's exemption$230,682 (+5.99%)$354,800 (-10.18%) Land $78,000 Building $276,800
2023$3,160.00 (+3.67%) Homeowner's exemption$217,652 (+3%)$395,000 (+24.53%) Land $60,000 Building $335,000
2022$3,048.00 Homeowner's exemption$211,313$317,200 Land $55,000 Building $262,200

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 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 RiskModerate
above 45% of the US · above 15% of Florida
Wildfire LikelihoodAbout 1 in 1,587 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 351 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 35

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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