1125 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1125 Seneca Trl, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,045 sqft · built 2002
Lot Size	0.251 acres (10,933 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Mar 2020)
Tax Bill	$3,863 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0028-0001-0650`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0028-0001-0650`
Alternative APNs	`263014002800010650` `84848`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,045 sqft Living Area
Gross Area	2,994 sqft
1st Floor Area	2,045 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,933 sqft (0.251 acres)
Garage Type	Attached
Garage Area	606 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	343 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1125 SENECA TRL
City	SAINT CLOUD
State	FL
Zip	34772-7363
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN LAKES PB 13 PG 93-95 LOT 65
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Tract	28
Legal Block	650
Legal Lot Number	65
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1024
Census Tract	43303

Owner

Source: Osceola County records · APN 14-26-30-0028-0001-0650

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	2 Individual Names on File
Mailing Address	1125 SENECA TRL, SAINT CLOUD, FL 34772-7363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Mar 06, 2020	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 06, 2020 · Amount on Record
Deed Sale	Mar 06, 2020 · Amount on Record
Prior Sale	Jul 07, 2010 · Amount on Record
Deed Document Number	202033329
Deed Book / Page	5687 / 1717
Prior Transfer Date	Apr 22, 2016
Prior Transfer Doc	0049500718
Record Updated	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1125 SENECA TRL, SAINT CLOUD, FL 34772-7363
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 SENECA TRL, SAINT CLOUD, FL 34772-7363

Mortgage

Document Number	0058761542
Date	Jan 25, 2021
Book Page	5876/1542
Instrument	2021010685

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 01, 2046

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 06, 2020
Property Address	1125 SENECA TRL, SAINT CLOUD, FL 34772-7363
Document Number	0056871717
Book / Page	5687 / 1717
Map Reference	MB 13 PG 93
Instrument Date	Mar 06, 2020
Instrument	2020033329
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7105 RED LANTERN DR, 7105, HARMONY, FL 34773-6058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 SENECA TRL, SAINT CLOUD, FL 34772-7363

Mortgage

Document Number	0056871718
Date	Mar 06, 2020
Instrument	5687/1718

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,863.00 (+3.51%) Homeowner's exemption	$258,727 (+5.99%)	$349,700 (-4.43%) Land $78,000 Building $271,700
2024	$3,732.00 (+2.61%)
2023	$3,637.00 (+3.59%) Homeowner's exemption	$244,113 (+3%)	$365,900 (+24.03%) Land $60,000 Building $305,900
2022	$3,511.00 Homeowner's exemption	$237,003	$295,000 Land $55,000 Building $240,000

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 133 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 15% of Florida
Wildfire Likelihood	About 1 in 1,639 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 161 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000

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

Mobile Coverage

5G (outdoors only) and 4G LTE

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