Osceola County property record for 1106 Seneca Trl, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 2,317 sqft Living Area |
| Lot Size | 8,755 sqft (0.201 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $260,000 (2018) |
| Tax Bill | $4,181.00 (2025) |
| Primary APN | 14-26-30-0028-0001-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,317 sqft Living Area |
| Gross Area | 3,303 sqft Gross Area |
| 1st Floor | 2,317 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block Exterior |
| 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 | 710 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 120 sqft Shed |
| Porch Area | 508 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1106 SENECA TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7383 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PB 13 PG 93-95 LOT 11 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES |
| Legal Tract | 28 |
| Legal Block | 110 |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1020 |
| Census Tract | 43303 |
Source: Osceola County records · APN 14-26-30-0028-0001-0110
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 | 1106 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 06, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Nov 27, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 27, 2018 · Amount on Record |
| Deed Sale | Nov 27, 2018 · Amount on Record |
| Prior Sale | Apr 01, 2011 · Amount on Record |
| Deed Doc Number | 2018173048 |
| Deed Book / Page | 5438 / 1071 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 06, 2026 |
| Property Address | 1106 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0000102933 |
| Book / Page | 7016 / 702 |
| Instrument Date | Aug 01, 2026 |
| Instrument | 2026102933 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1106 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0000102933, |
|---|---|
| Date | Aug 06, 2026 |
| Book Page | 7016/702 |
| Instrument | 2026102933 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1106 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1106 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0061042204 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 6104/2204 |
| Instrument | 2021190391 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 27, 2018 |
| Property Address | 1106 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0054381071 |
| Book / Page | 5438 / 1071 |
| Map Reference | MB13 PG93-95 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 2018173048 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | QUALITY TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19334 NW 12TH ST, 19334, PEMBROKE PINES, FL 33029-3208 |
| Name | Verified Name |
|---|---|
| Address | 844 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7750 |
| Document Number | 2018173049 |
|---|---|
| Date | Nov 27, 2018 |
| Instrument | 2018173049 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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 | $4,181.00 (+6.14%) Homeowner's exemption | $276,487 (+5.99%) | $367,300 (-10.33%) Land $78,000 Building $289,300 |
| 2023 | $3,939.00 (+3.52%) Homeowner's exemption | $260,869 (+3%) | $409,600 (+24.5%) Land $60,000 Building $349,600 |
| 2022 | $3,805.00 Homeowner's exemption | $253,271 | $329,000 Land $55,000 Building $274,000 |
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 45% of the US · above 15% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,587 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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