Osceola County property record for 1137 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,905 sqft · built 2002 |
| Lot Size | 0.217 acres (9,496 sqft) |
| Owner | Individual Name on File |
| Last Sale | $287,000 (Sep 2020) |
| Tax Bill | $3,628 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 84850 |
| Primary APN | 84850 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,905 sqft Heated Area |
| Gross Area | 2,896 sqft |
| 1st Floor Area | 1,905 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,496 sqft (0.217 acres) |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 485 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 84850 |
|---|---|
| Street Address | 1137 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 67 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES |
| Legal Tract | 28 |
| Legal Block | 1 |
| Legal Lot Number | 67 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 43303 |
Source: Osceola County records · APN 84850
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1137 SENECA TRL, SAINT CLOUD, FL 34772-7363 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Sep 01, 2020 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 01, 2020 · Amount on Record |
| Deed Sale | Sep 01, 2020 · Amount on Record |
| Prior Sale | Apr 06, 2011 · Amount on Record |
| Deed Document Number | 0057851769 |
| Deed Book / Page | 5785 / 1769 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1137 SENECA TRL, SAINT CLOUD, FL 34772-7363 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1137 SENECA TRL, SAINT CLOUD, FL 34772-7363 |
| Document Number | 0063971172 |
|---|---|
| Date | Apr 28, 2023 |
| Book Page | 6397/1172 |
| Instrument | 2023052693 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 28, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 01, 2020 |
| Property Address | 1137 SENECA TRL, SAINT CLOUD, FL 34772-7363 |
| Document Number | 0057851769 |
| Book / Page | 5785 / 1769 |
| Map Reference | MB 13 PG 93 |
| Instrument Date | Sep 01, 2020 |
| Instrument | 2020116064 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,009.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 13TH ST, 304, SAINT CLOUD, FL 34769-4617 |
| Name | Verified Name |
|---|---|
| Address | 1137 SENECA TRL, SAINT CLOUD, FL 34772-7363 |
| Document Number | 0057851770 |
|---|---|
| Date | Sep 01, 2020 |
| Instrument | 5785/1770 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
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 | $3,628.00 (+6.3%) Homeowner's exemption | $245,571 (+5.99%) | $333,900 (-4.13%) Land $78,000 Building $255,900 |
| 2023 | $3,413.00 (+3.61%) Homeowner's exemption | $231,700 (+3%) | $348,300 (+24.08%) Land $60,000 Building $288,300 |
| 2022 | $3,294.00 Homeowner's exemption | $224,952 | $280,700 Land $55,000 Building $225,700 |
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 1,639 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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