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784 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 784 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2010
Square Footage1,970 sqft Heated Area
Lot Size8,756 sqft (0.201 acres)
OccupancyOwner Occupied
Last Sale$467,900 (2025)
Tax Bill$4.00 (2025)

Property Details

APN / Parcel Number

Primary APN143001
Alternative APN
  • 142630006300012880

Interior

Bedrooms4 Beds
Full Baths3 Baths
Partial Baths1 Partial Baths
Building Area1,970 sqft Heated Area
Gross Area2,995 sqft Gross Area
1st Floor1,970 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2010
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,756 sqft (0.201 acres)
Depth X Width125 ft x 70 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area684 sqft Garage

Exterior Amenities

Pool Area312 sqft Pool
FenceFence
Shed1 Shed
Shed Area145 sqft Shed
Deck Area750 sqft Deck
PorchOpen Porch
Porch Area341 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number143001
Street Address784 SENECA TRL
CitySAINT CLOUD
StateFL
Zip34772-7781
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionINDIAN LAKES PH 7 PB 18 PG 183-184 LOT 288
Legal Range30E
Legal Township26S
Legal Section14
Legal SubdivisionINDIAN LAKES
Legal Phase7
Legal Tract63
Legal Block1
Legal Lot Number288
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1013
Census Tract43303

Owner

Source: Osceola County records · APN 143001

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address784 SENECA TRL, SAINT CLOUD, FL 34772-7781
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
THE MORTGAGE FIRM INC
Oct 15, 2025Warranty Deed, Transfer · Conventional Mortgage
AMERIS BANK
Sep 20, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
PLAZA HOME MORTGAGE INC
Nov 19, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
MORTGAGE FIRM

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 15, 2025 · Amount on Record
Deed SaleOct 15, 2025 · Amount on Record
Prior SaleSep 20, 2023 · Amount on Record
Deed Doc Number2025127984
Deed Book / Page6865 / 513
Record RefreshedJun 08, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address784 SENECA TRL, SAINT CLOUD, FL 34772-7781
Transaction TypeMortgage
Record UpdatedOct 27, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address784 SENECA TRL, SAINT CLOUD, FL 34772-7781
InvestorPossibly a Property Investor

Mortgage

Document Number0061102205
DateDec 17, 2021
Book Page6110/2205
Instrument2021195167
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 15, 2025
Property Address784 SENECA TRL, SAINT CLOUD, FL 34772-7781
Document Number0068650513
Book / Page6865 / 513
Map ReferenceMB 18 PG 183
Instrument DateOct 14, 2025
Instrument2025127984
Transaction TypeTransfer
Record UpdatedOct 27, 2025
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,275.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address8 SHUPP LN, DENVER, PA 17517-9021

Transferred To (Grantee/Buyer)

NameVerified Name
Address784 SENECA TRL, SAINT CLOUD, FL 34772-7781

Mortgage

Document Number0006865516
DateOct 15, 2025
Instrument6865/516
Lender
NameAMERIS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 20, 2023
Property Address784 SENECA TRL, SAINT CLOUD, FL 34772-7781
Document Number0064761899
Book / Page6476 / 1899
Map ReferenceMB 18 PG 183&184
Instrument DateSep 14, 2023
Instrument2023123644
Transaction TypeTransfer
Record UpdatedOct 11, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,395.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address784 SENECA TRL, SAINT CLOUD, FL 34772-7781

Transferred To (Grantee/Buyer)

NameVerified Name
Address784 SENECA TRL, SAINT CLOUD, FL 34772-7781

Mortgage

Document Number0064761901
DateSep 20, 2023
Instrument6476/1901
Lender
NamePLAZA HOME MORTGAGE INC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2053

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 19, 2019
Property Address784 SENECA TRL, SAINT CLOUD, FL 34772-7781
Document Number0056260217
Book / Page005626 / 000217
Instrument DateNov 18, 2019
Instrument150466
Transaction TypeTransfer
Record UpdatedDec 06, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address784 SENECA TRL ST CLOUD FL 347727781, ST CLOUD, FL 34772-7781

Mortgage

Document Number56260219
DateNov 19, 2019
Book Page005626/000219
Instrument150467
Lender
NameMORTGAGE FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 18, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$259,356 (+2.9%)$374,900 (-3.48%) Land $78,000 Building $296,900
2024$4.00 (-99.89%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$252,047 (-0.05%)$388,400 (-0.56%) Land $75,000 Building $313,400
2023$3,782.00 (+3.53%) Homeowner's exemption$252,173 (+3%)$390,600 (+22.52%) Land $60,000 Building $330,600
2022$3,653.00 Homeowner's exemption$244,829$318,800 Land $55,000 Building $263,800

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 100 ft

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 658 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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