670 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 670 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,970 sqft · built 2010
Lot Size	0.201 acres (8,756 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (Jul 2017)
Tax Bill	$4,030 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`149481`

Property Details

APN / Parcel Number

Primary APN	`149481`
Alternative APN	`142630006600013640`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,970 sqft Heated Area
Gross Area	2,995 sqft
1st Floor Area	1,970 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,756 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	341 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	149481
Street Address	670 SENECA TRL
City	SAINT CLOUD
State	FL
Zip	34772-7831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN LAKES PH 8 PB 19 PGS 133-134 LOT 364
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Phase	8
Legal Tract	66
Legal Block	1
Legal Lot Number	364
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43303

Owner

Source: Osceola County records · APN 149481

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	670 SENECA TRL, SAINT CLOUD, FL 34772-7831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 27, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage ACOPIA
Apr 04, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 27, 2017 · Amount on Record
Deed Sale	Jul 27, 2017 · Amount on Record
Prior Sale	Apr 04, 2017 · Amount on Record
Deed Document Number	2017108558
Deed Book / Page	5184 / 2924
Record Updated	Jun 08, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	670 SENECA TRL, SAINT CLOUD, FL 34772-7831
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055800262
Date	Aug 27, 2019
Book Page	5580/0262
Instrument	2019111127

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	670 SENECA TRL, SAINT CLOUD, FL 34772-7831
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057380682
Date	Jun 16, 2020
Book Page	5738/682
Instrument	2020076968

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2017
Property Address	670 SENECA TRL, SAINT CLOUD, FL 34772-7831
Document Number	0051842924
Book / Page	005184 / 002924
Instrument Date	Jul 26, 2017
Instrument	108558
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 25, 2017
Title Company	BLUE WATER CLEAR TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	670 SENECA TRL ST CLOUD FL 347727831, ST CLOUD, FL 34772-7831

Mortgage

Document Number	51842925
Date	Jul 27, 2017
Book Page	005184/002925
Instrument	108559

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2047

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 04, 2017
Property Address	670 SENECA TRL, SAINT CLOUD, FL 34772-7831
Document Number	0051261921
Book / Page	005126 / 001921
Instrument Date	Mar 21, 2017
Instrument	50592
Transaction Type	Foreclosure
Record Updated	May 19, 2017

Transaction

Amount	Amount Recorded
Tax	$1,212.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2021 13TH ST ST CLOUD FL 347694205, ST CLOUD, FL 34769-4205

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	$4,030.00 (+6.19%) Homeowner's exemption	$268,049 (+5.99%)	$361,200 (-4.52%) Land $78,000 Building $283,200
2023	$3,795.00 (+3.55%) Homeowner's exemption	$252,908 (+3%)	$378,300 (+24.28%) Land $60,000 Building $318,300
2022	$3,665.00 Homeowner's exemption	$245,542	$304,400 Land $55,000 Building $249,400

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 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 629 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 and 4G LTE

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