1149 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1149 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2010
Square Footage	2,391 sqft Heated Area
Lot Size	10,019 sqft (0.23 acres)
Occupancy	Owner Occupied
Last Sale	$269,900 (2017)
Tax Bill	$4,122.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`84852`
Alternative APN	`142630002800010690`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,391 sqft Heated Area
Gross Area	3,591 sqft Gross Area
1st Floor	2,466 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2010
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,019 sqft (0.23 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	462 sqft Garage

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	120 sqft Shed
Porch	Finished/Screened Porch
Porch Area	663 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	84852
Street Address	1149 SENECA TRL
City	SAINT CLOUD
State	FL
Zip	34772-7363
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	INDIAN LAKES PB 13 PG 93-95 LOT 69
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Tract	28
Legal Block	1
Legal Lot Number	69
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1024
Census Tract	43303

Owner

Source: Osceola County records · APN 84852

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 Individual Names on File
Mailing Address	1149 SENECA TRL, SAINT CLOUD, FL 34772-7363
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 31, 2017 · Amount on Record
Deed Sale	May 31, 2017 · Amount on Record
Prior Sale	May 11, 2015 · Amount on Record
Deed Doc Number	2017079203
Deed Book / Page	5156 / 0927
Record Refreshed	Jun 08, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 31, 2017
Property Address	1149 SENECA TRL, SAINT CLOUD, FL 34772-7363
Document Number	0051560927
Book / Page	005156 / 000927
Instrument Date	May 25, 2017
Instrument	79203
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,889.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	2805 JEBIDIAH CT ST CLOUD FL 347727737, ST CLOUD, FL 34772-7737

Mortgage

Document Number	51560929
Date	May 31, 2017
Book Page	005156/000929
Instrument	79204

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$4,122.00 (+6.16%) Homeowner's exemption	$273,178 (+5.99%)	$388,900 (-10.68%) Land $78,000 Building $310,900
2023	$3,883.00 (+3.55%) Homeowner's exemption	$257,748 (+3%)	$435,400 (+24.72%) Land $60,000 Building $375,400
2022	$3,750.00 Homeowner's exemption	$250,241	$349,100 Land $55,000 Building $294,100

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.