Osceola County property record for 1118 Seneca Trl, Saint Cloud, FL 34772 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2003 |
| Square Footage | 1,970 sqft Living Area |
| Lot Size | 12,850 sqft (0.295 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $425,000 (2026) |
| Tax Bill | $5,495.00 (2024) |
| Primary APN | 14-26-30-0028-0001-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,970 sqft Living Area |
| Gross Area | 2,869 sqft Gross Area |
| 1st Floor | 1,970 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 12,850 sqft (0.295 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 504 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 120 sqft Shed |
| Porch Area | 395 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1118 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 9 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES |
| Legal Tract | 28 |
| Legal Block | 90 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1020 |
| Census Tract | 43303 |
Source: Osceola County records · APN 14-26-30-0028-0001-0090
Assessment roll updated November 26, 2025 · Last verified May 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 | 1118 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Jul 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 29, 2026 · Amount on Record |
| Deed Sale | Jan 29, 2026 · Amount on Record |
| Prior Sale | Jul 12, 2023 · Amount on Record |
| Deed Doc Number | 202612686 |
| Deed Book / Page | 6914 / 2464 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 29, 2026 |
| Property Address | 1118 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0069142464 |
| Book / Page | 6914 / 2464 |
| Map Reference | MB 13 PG 93 |
| Instrument Date | Jan 15, 2026 |
| Instrument | 2026012686 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2587 SAGE VALLEY WAY, WINTER HAVEN, FL 33884-3369 |
| Name | Verified Name |
|---|---|
| Address | 1118 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0069142466 |
|---|---|
| Date | Jan 29, 2026 |
| Instrument | 6914/2466 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 12, 2023 |
| Property Address | 1118 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0064391710 |
| Book / Page | 6439 / 1710 |
| Map Reference | MB 13 PG 93-95 |
| Instrument Date | Jul 10, 2023 |
| Instrument | 2023089883 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,653.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1118 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0064391712 |
|---|---|
| Date | Jul 12, 2023 |
| Instrument | 6439/1712 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Document Number | 0064391733 |
|---|---|
| Date | Jul 12, 2023 |
| Book Page | 6439/1733 |
| Instrument | 2023089885 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,287.00 (-3.79%) | $338,300 (+131.71%) Land $78,000 Building $260,300 | $338,300 (-4.14%) Land $78,000 Building $260,300 |
| 2024 | $5,495.00 (+230.63%) | ||
| 2023 | $1,662.00 (+4.79%) Homeowner's exemption Senior Citizen's exemption | $145,999 (+3%) | $352,900 (+23.82%) Land $60,000 Building $292,900 |
| 2022 | $1,586.00 Homeowner's exemption Senior Citizen's exemption | $141,747 | $285,000 Land $55,000 Building $230,000 |
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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