Osceola County property record for 1148 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,497 sqft · built 2002 |
| Lot Size | 0.207 acres (9,060 sqft) |
| Owner | Individual Name on File |
| Last Sale | $309,000 (Jan 2020) |
| Tax Bill | $6,594 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 84782 |
| Primary APN | 84782 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,497 sqft Heated Area |
| Gross Area | 3,285 sqft |
| 1st Floor Area | 2,137 sqft |
| Upper Floors Area | 360 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,060 sqft (0.207 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 247 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 347 sqft |
| Deck Area | 325 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 84782 |
|---|---|
| Street Address | 1148 SENECA TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7383 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PB 13 PG 93-95 LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES |
| Legal Tract | 28 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 43303 |
Source: Osceola County records · APN 84782
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 | 1148 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 03, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Jan 24, 2020 | Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 24, 2020 · Amount on Record |
| Deed Sale | Jan 24, 2020 · Amount on Record |
| Prior Sale | Sep 19, 2014 · Amount on Record |
| Deed Document Number | 2020011719 |
| Deed Book / Page | 5662 / 2902 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1148 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1148 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0060150002 |
|---|---|
| Date | Aug 03, 2021 |
| Book Page | 6015/2 |
| Instrument | 2021119811 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 24, 2020 |
| Property Address | 1148 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0056622902 |
| Book / Page | 5662 / 2902 |
| Map Reference | MB 13 PG 93 |
| Instrument Date | Jan 15, 2020 |
| Instrument | 2020011719 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | OLIVER TITLE LAW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,163.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1813 HAWKSBILL LN, 1813, SAINT CLOUD, FL 34771-7569 |
| Name | Verified Name |
|---|---|
| Address | 1148 SENECA TRL, SAINT CLOUD, FL 34772-7383 |
| Document Number | 0056622904 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 5662/2904 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 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 | $6,594.00 (+7.46%) | $368,200 (-9.69%) Land $78,000 Building $290,200 | $368,200 (-9.69%) Land $78,000 Building $290,200 |
| 2023 | $6,136.00 (+14.5%) | $407,700 (+23.58%) Land $60,000 Building $347,700 | $407,700 (+23.58%) Land $60,000 Building $347,700 |
| 2022 | $5,359.00 | $329,900 Land $55,000 Building $274,900 | $329,900 Land $55,000 Building $274,900 |
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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