1161 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1161 Seneca Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,444 sqft · built 2002
Lot Size	0.244 acres (10,628 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Feb 2015)
Tax Bill	$4 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0028-0001-0710`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0028-0001-0710`
Alternative APNs	`263014002800010710` `84854`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,444 sqft Living Area
Gross Area	3,142 sqft
1st Floor Area	2,444 sqft
Flooring	Carpet
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	10,628 sqft (0.244 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	257 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1161 SENECA TRL
City	SAINT CLOUD
State	FL
Zip	34772-7363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	INDIAN LAKES PB 13 PG 93-95 LOT 71
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Tract	28
Legal Block	710
Legal Lot Number	71
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1024
Census Tract	43303

Owner

Source: Osceola County assessment roll, as of November 26, 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	1161 SENECA TRL, SAINT CLOUD, FL 34772-7363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
May 14, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 13, 2015 · Amount on Record
Deed Sale	Feb 13, 2015 · Amount on Record
Prior Sale	Jul 18, 2014 · Amount on Record
Deed Document Number	201522306
Deed Book / Page	4735 / 2563
Last Transfer Date	Apr 30, 2018
Transfer Doc	0053331137
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1161 SENECA TRL, SAINT CLOUD, FL 34772-7363
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1161 SENEEA TRAIL, SAINT CLOUD, FL 34772-7363

Mortgage

Document Number	0060372057
Date	Sep 8, 2021
Book Page	6037/2057
Instrument	2021138329

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 14, 2018
Property Address	1161 SENECA TRL, SAINT CLOUD, FL 34772-7363
Document Number	0053331137
Book / Page	005333 / 001137
Instrument Date	Apr 30, 2018
Instrument	76082
Transaction Type	Transfer
Record Updated	Jun 18, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1161 SENECA TRL ST CLOUD FL 347727363, ST CLOUD, FL 34772-7363

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4.00 (-99.94%) Homeowner's exemption Veteran's exemption	$356,000 (-10.15%) Land $78,000 Building $278,000	$356,000 (-10.15%) Land $78,000 Building $278,000
2024	$6,582.00 (+0.18%)
2023	$6,570.00 (+14.28%)	$396,200 (+24.28%) Land $60,000 Building $336,200	$396,200 (+24.28%) Land $60,000 Building $336,200
2022	$5,749.00	$318,800 Land $55,000 Building $263,800	$318,800 Land $55,000 Building $263,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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