Osceola County property record for 737 Seneca Trl, Saint Cloud, FL 34772 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2006 |
| Square Footage | 2,033 sqft Living Area |
| Lot Size | 9,539 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $346,000 (2021) |
| Tax Bill | $5,057.00 (2025) |
| Primary APN | 14-26-30-0048-0001-2480 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,033 sqft Living Area |
| Gross Area | 2,875 sqft Gross Area |
| 1st Floor | 2,033 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,539 sqft (0.219 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 441 sqft Garage |
| Porch Area | 401 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 737 SENECA TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7782 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PHASE 5 & 6 PB 17 PGS 84-86 LOT 248 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES PH 5 AND 6 |
| Legal Phase | 5 |
| Legal Tract | 48 |
| Legal Block | 2480 |
| Legal Lot Number | 248 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1017 |
| Census Tract | 43303 |
Source: Osceola County records · APN 14-26-30-0048-0001-2480
Assessment roll updated November 26, 2025 · Last verified June 2026
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 | 737 SENECA TRL, SAINT CLOUD, FL 34772-7782 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Jun 01, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NONE LISTED ON DOCUMENT |
| Nov 28, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 17, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 17, 2021 · Amount on Record |
| Deed Sale | Aug 17, 2021 · Amount on Record |
| Prior Sale | Jul 18, 2006 · Amount on Record |
| Deed Doc Number | 2021126803 |
| Deed Book / Page | 6023 / 1732 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 01, 2026 |
| Property Address | 737 SENECA TRL, SAINT CLOUD, FL 34772-7782 |
| Document Number | 0000070668 |
| Book / Page | 6979 / 466 |
| Instrument Date | May 22, 2026 |
| Instrument | 202670668 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 737 SENECA TRL, SAINT CLOUD, FL 34772-7782 |
| Investor | Possibly a Property Investor |
| Document Number | 0000070668, |
|---|---|
| Date | Jun 01, 2026 |
| Book Page | 6979/466 |
| Instrument | 202670668 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 303 Months |
| Due | Sep 01, 2051 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 737 SENECA TRL, SAINT CLOUD, FL 34772-7782 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 737 SENECA TRL, SAINT CLOUD, FL 34772-7782 |
| Investor | Possibly a Property Investor |
| Document Number | 0065100652 |
|---|---|
| Date | Nov 28, 2023 |
| Book Page | 6510/652 |
| Instrument | 2023154868 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 17, 2021 |
| Property Address | 737 SENECA TRL, SAINT CLOUD, FL 34772-7782 |
| Document Number | 0060231732 |
| Book / Page | 6023 / 1732 |
| Map Reference | MB 17 PG 84-86 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 2021126803 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,422.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 126 DERRYWOOD DRIVE, 126, CONCORD, CA |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 737 SENECA TRL, SAINT CLOUD, FL 34772-7782 |
| Document Number | 0060231734 |
|---|---|
| Date | Aug 17, 2021 |
| Instrument | 6023/1734 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,057.00 (+6.02%) Homeowner's exemption | $325,429 (+5.99%) | $352,800 (-4.44%) Land $78,000 Building $274,800 |
| 2023 | $4,770.00 (+4.72%) Homeowner's exemption | $307,047 (+4.12%) | $369,200 (+25.19%) Land $60,000 Building $309,200 |
| 2022 | $4,555.00 Homeowner's exemption | $294,900 Land $55,000 Building $239,900 | $294,900 Land $55,000 Building $239,900 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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