785 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 785 Seneca Trl, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,190 sqft · built 2008
Lot Size	0.201 acres (8,755 sqft)
Owner	2 Individual Names on File
Last Sale	$274,000 (Oct 2020)
Tax Bill	$4,054 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Mar 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0063-0001-3540`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0063-0001-3540`
Alternative APNs	`263014006300013540` `143066`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,190 sqft Living Area
Gross Area	2,925 sqft
1st Floor Area	2,190 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,755 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	294 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	785 SENECA TRL
City	SAINT CLOUD
State	FL
Zip	34772-7783
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN LAKES PH 7 PB 18 PG 183-184 LOT 354
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES PH 7
Legal Phase	7
Legal Tract	63
Legal Block	3540
Legal Lot Number	354
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43303

Owner

Source: Osceola County records · APN 14-26-30-0063-0001-3540

Assessment roll updated November 26, 2025 · Last verified April 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	785 SENECA TRL, SAINT CLOUD, FL 34772-7783
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 06, 2020	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Mar 28, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Mar 28, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 06, 2020 · Amount on Record
Deed Sale	Oct 06, 2020 · Amount on Record
Prior Sale	Mar 28, 2017 · Amount on Record
Deed Document Number	2020134033
Deed Book / Page	5807 / 1282
Prior Transfer Date	Mar 27, 2017
Prior Transfer Doc	0051222635
Record Updated	Jun 08, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 06, 2020
Property Address	785 SENECA TRL, SAINT CLOUD, FL 34772-7783
Document Number	0058071282
Book / Page	5807 / 1282
Map Reference	MB 18 PG 183&184
Instrument Date	Oct 01, 2020
Instrument	2020134033
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,918.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10701 BURNING BUSH TER, 10701, LAND O LAKES, FL 34638-6884

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	785 SENECA TRL, SAINT CLOUD, FL 34772-7783

Mortgage

Document Number	0058071284
Date	Oct 06, 2020
Instrument	5807/1284

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2017
Property Address	785 SENECA TRL, SAINT CLOUD, FL 34772-7783
Document Number	0051222619
Book / Page	005122 / 002619
Instrument Date	Mar 27, 2017
Instrument	47010
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.00
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	785 SENECA TRL ST CLOUD FL 347727783, ST CLOUD, FL 34772-7783

Mortgage

Document Number	51222620
Date	Mar 28, 2017
Book Page	005122/002620
Instrument	47011

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2017
Property Address	785 SENECA TRL, SAINT CLOUD, FL 34772-7783
Document Number	0051222635
Book / Page	005122 / 002635
Instrument Date	Mar 27, 2017
Instrument	47012
Transaction Type	Transfer
Record Updated	Apr 12, 2017

Transaction

Amount	Amount Recorded
Tax	$1,749.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	785 SENECA TRL ST CLOUD FL 347727783, ST CLOUD, FL 34772-7783

Tax Assessment & Valuation

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

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	$4,054.00 (+3.5%) Homeowner's exemption	$269,370 (+5.99%)	$344,000 (-9.73%) Land $78,000 Building $266,000
2024	$3,917.00 (+2.59%)
2023	$3,818.00 (+3.83%) Homeowner's exemption	$254,155 (+3.24%)	$381,100 (+24.3%) Land $60,000 Building $321,100
2022	$3,677.00 Homeowner's exemption	$246,170	$306,600 Land $55,000 Building $251,600

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 44% of the US · above 14% of Florida
Wildfire Likelihood	About 1 in 1,205 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 213 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 / 50
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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