Osceola County property record for 1124 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,253 sqft Heated Area |
| Lot Size | 13,721 sqft (0.314 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $178,700 (2003) |
| Tax Bill | $2,645.00 (2025) |
| Primary APN | 84786 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,253 sqft Heated Area |
| Gross Area | 2,948 sqft Gross Area |
| 1st Floor | 2,253 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,721 sqft (0.314 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 462 sqft Garage |
| Pool Area | 324 sqft Pool |
|---|---|
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft Shed |
| Deck Area | 633 sqft Deck |
| Porch | Open Porch |
| Porch Area | 233 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 84786 |
|---|---|
| Street Address | 1124 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 8 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES |
| Legal Tract | 28 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1020 |
| Census Tract | 43303 |
Source: Osceola County records · APN 84786
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 Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1124 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 12, 2023 | Deed of Trust, Mortgage · Stand Alone Second Mortgage NAVY FCU |
| Aug 26, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 27, 2003 · Amount on Record |
| Deed Sale | Mar 27, 2003 · Amount on Record |
| Deed Doc Number | 0221901895 |
| Deed Book / Page | 02219 / 01895 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1124 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1124 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0064881454 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 6488/1454 |
| Instrument | 2023134308 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1124 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Transaction Type | Mortgage |
| Record Updated | Sep 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1124 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0060302344 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 6030/2344 |
| Instrument | 2021132918 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 15, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $2,645.00 (+6.61%) Homeowner's exemption | $190,674 (+5.99%) | $353,000 (-9.42%) Land $78,000 Building $275,000 |
| 2023 | $2,481.00 (+3.89%) Homeowner's exemption | $179,904 (+3%) | $389,700 (+22.7%) Land $60,000 Building $329,700 |
| 2022 | $2,388.00 Homeowner's exemption | $174,665 | $317,600 Land $55,000 Building $262,600 |
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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