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682 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 682 Seneca Trl, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2007
Square Footage2,694 sqft Living Area
Lot Size13,721 sqft (0.315 acres)
OccupancyOwner Occupied
Last Sale$294,000 (2018)
Tax Bill$4,089.00 (2024)

Property Details

APN / Parcel Number

Primary APN14-26-30-0066-0001-3620
Alternative APNs
  • 263014006600013620
  • 149479

Interior

Bedrooms5 Beds
Full Baths4 Baths
Building Area2,694 sqft Living Area
Gross Area3,666 sqft Gross Area
1st Floor2,124 sqft 1st Floor
Upper Floors570 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area13,721 sqft (0.315 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area606 sqft Garage
Porch Area366 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address682 SENECA TRL
CitySAINT CLOUD
StateFL
Zip34772-7831
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionINDIAN LAKES PH 8 PB 19 PGS 133-134 LOT 362
Legal Range30E
Legal Township26S
Legal Section14
Legal SubdivisionINDIAN LAKES PH 8
Legal Phase8
Legal Tract66
Legal Block3620
Legal Lot Number362
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1013
Census Tract43303

Owner

Source: Osceola County records · APN 14-26-30-0066-0001-3620

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 Address682 SENECA TRL, SAINT CLOUD, FL 34772-7831
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Dec 17, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
May 18, 2023Intrafamily Transfer, Transfer
Dec 10, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jul 14, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Dec 03, 2018Warranty Deed, Transfer · Conventional Mortgage
FRONTLINE FINANCIAL LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 03, 2018 · Amount on Record
Deed SaleDec 03, 2018 · Amount on Record
Prior SaleSep 05, 2007 · Amount on Record
Deed Doc Number2018176415
Deed Book / Page5441 / 2063
Last Transfer DateOct 22, 2021
Transfer Doc0061050977
Record RefreshedSep 20, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address682 SENECA TRL, SAINT CLOUD, FL 34772-7831
Transaction TypeMortgage
Record UpdatedJun 05, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address682 SENECA TRL, SAINT CLOUD, FL 34772-7831

Mortgage

Document Number0061102302
DateDec 17, 2021
Book Page6110/2302
Instrument2021195187
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2051

May 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMay 18, 2023
Property Address682 SENECA TRL, SAINT CLOUD, FL 34772-7831
Document Number0064091097
Book / Page6409 / 1097
Map ReferenceMB 19 PG 133&34
Instrument DateMay 15, 2023
Instrument2023063646
Transaction TypeTransfer
Record UpdatedJun 05, 2023

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address382 SENECA TRAIL, SAINT CLOUD, FL 34772

Transferred To (Grantee/Buyer)

NameVerified Name
Address682 SENECA TRL, SAINT CLOUD, FL 34772-7831

December 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateDec 10, 2021
Property Address682 SENECA TRL, SAINT CLOUD, FL 34772-7831
Document Number0061050977
Book / Page6105 / 977
Map ReferenceMB 19 PG 133&134
Instrument DateOct 22, 2021
Instrument2021190814
Transaction TypeTransfer
Record UpdatedJun 05, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address682 SENECA TRL, SAINT CLOUD, FL 34772-7831

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJul 14, 2020
Property Address682 SENECA TRL, SAINT CLOUD, FL 34772-7831
Document Number0057541792
Book / Page005754 / 001792
Instrument DateJul 03, 2020
Instrument91745
Transaction TypeTransfer
Record UpdatedAug 28, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address682 SENECA TRL ST CLOUD FL 347727831, ST CLOUD, FL 34772-7831

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 03, 2018
Property Address682 SENECA TRL, SAINT CLOUD, FL 34772-7831
Document Number0054412063
Book / Page5441 / 2063
Map ReferenceMB19 PG133&134
Instrument DateNov 13, 2018
Instrument2018176415
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySMART INTL TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,058.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address691 N CAPITOL AVE # AVE7, 691, SAN JOSE, CA 95133-2744

Transferred To (Grantee/Buyer)

NameVerified Name
Address8111 FORT THOMAS WAY, ORLANDO, FL 32822-7110

Mortgage

Document Number2018176416
DateDec 03, 2018
Instrument2018176416
Lender
NameFRONTLINE FINANCIAL LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2048

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,234.00 (+3.55%) Homeowner's exemption Veteran's exemption$284,437 (+5.99%)$399,800 (-10.78%) Land $78,000 Building $321,800
2024$4,089.00 (+2.64%)
2023$3,984.00 (+3.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$268,370 (+3%)$448,100 (+24.37%) Land $60,000 Building $388,100
2022$3,846.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$260,554$360,300 Land $55,000 Building $305,300

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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