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677 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 677 Seneca Trl, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2010
Square Footage1,673 sqft Living Area
Lot Size11,499 sqft (0.264 acres)
OccupancyOwner Occupied
Last Sale$365,990 (2026)
Tax Bill$1,795.00 (2025)

Property Details

APN / Parcel Number

Primary APN14-26-30-0066-0001-3720
Alternative APNs
  • 263014006600013720
  • 149489

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,673 sqft Living Area
Gross Area2,376 sqft Gross Area
1st Floor1,673 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,499 sqft (0.264 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area438 sqft Garage
Porch Area265 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address677 SENECA TRL
CitySAINT CLOUD
StateFL
Zip34772-7832
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionINDIAN LAKES PH 8 PB 19 PGS 133-134 LOT 372
Legal Range30E
Legal Township26S
Legal Section14
Legal SubdivisionINDIAN LAKES PH 8
Legal Phase8
Legal Tract66
Legal Block3720
Legal Lot Number372
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1015
Census Tract43303

Owner

Source: Osceola County records · APN 14-26-30-0066-0001-3720

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address677 SENECA TRL, SAINT CLOUD, FL 34772-7832
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 06, 2026Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
KINGS MORTGAGE SERVICES
Jul 11, 2016Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage
WELLS FARGO BK
Jul 11, 2016Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 06, 2026 · Amount on Record
Deed SaleJul 06, 2026 · Amount on Record
Prior SaleJan 03, 2011 · Amount on Record
Deed Doc Number202687763
Deed Book / Page6998 / 2529
Record RefreshedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 06, 2026
Property Address677 SENECA TRL, SAINT CLOUD, FL 34772-7832
Document Number0000087763
Book / Page6998 / 2529
Instrument DateJun 25, 2026
Instrument202687763
Transaction TypeTransfer
Record UpdatedJul 14, 2026
Title CompanyMORTGAGE SERVICES, KINGS MORTGAGE SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$258,754.93
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address677 SENECA TRL, SAINT CLOUD, FL 34772-7832

Mortgage

Document Number0000087764,
DateJul 06, 2026
Instrument202687764
Lender
NameKINGS MORTGAGE SERVICES
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate6.51%
Max Rate-1%

July 2016: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address677 SENECA TRL, SAINT CLOUD, FL 34772-7832
Document Number0051270804
Instrument DateJul 11, 2016
Transaction TypeMortgage
Record UpdatedAug 20, 2018
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address677 SENECA TRL ST CLOUD FL 347727832, ST CLOUD, FL 34772-7832

Mortgage

Document Number0051270804
DateApr 05, 2017
Book Page005127/000804
Instrument51153
Lender
NameWELLS FARGO BK
AddressFORT MILL, SC 29715
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 04, 2047
Interest
Rate TypeFixed Rate
Rate3.75%

July 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address677 SENECA TRL, SAINT CLOUD, FL 34772-7832
Document Number0050971290
Book / Page005097 / 001290
Instrument DateJul 11, 2016
Transaction TypeMortgage
Record UpdatedFeb 27, 2017
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address677 SENECA TRL ST CLOUD FL 347727832, ST CLOUD, FL 34772-7832

Mortgage

Document Number0050971290
DateFeb 03, 2017
Book Page005097/001290
Instrument19442
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410-8000
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 02, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,795.00 (+3.88%)$143,183 (+5.99%)$317,900 (-3.55%) Land $78,000 Building $239,900
2024$1,728.00 (+3.23%)
2023$1,674.00 (+4.36%) Homeowner's exemption$135,096 (+3%)$329,600 (+23.82%) Land $60,000 Building $269,600
2022$1,604.00 Homeowner's exemption$131,162$266,200 Land $55,000 Building $211,200

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 62% of the US · above 37% of Florida
Wildfire LikelihoodAbout 1 in 629 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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