809 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 809 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	3 Baths
Year Built	Built 2007
Square Footage	2,966 sqft Heated Area
Lot Size	11,718 sqft (0.269 acres)
Occupancy	Owner Occupied
Last Sale	$318,000 (2020)
Tax Bill	$4,742.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`143063`
Alternative APN	`142630006300013510`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,966 sqft Heated Area
Gross Area	3,889 sqft Gross Area
1st Floor	2,450 sqft 1st Floor
Upper Floors	516 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2007
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,718 sqft (0.269 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	620 sqft Garage
Fence	Fence
Porch	Open Porch
Porch Area	303 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	143063
Street Address	809 SENECA TRL
City	SAINT CLOUD
State	FL
Zip	34772-7783
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	INDIAN LAKES PH 7 PB 18 PG 183-184 LOT 351
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Phase	7
Legal Tract	63
Legal Block	1
Legal Lot Number	351
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1017
Census Tract	43303

Owner

Source: Osceola County records · APN 143063

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	809 SENECA TRL, SAINT CLOUD, FL 34772-7783
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 03, 2020 · Amount on Record
Deed Sale	Apr 03, 2020 · Amount on Record
Prior Sale	Mar 07, 2007 · Amount on Record
Deed Doc Number	2020046702
Deed Book / Page	5703 / 1489
Record Refreshed	Jun 08, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 03, 2020
Property Address	809 SENECA TRL, SAINT CLOUD, FL 34772-7783
Document Number	0057031489
Book / Page	5703 / 1489
Map Reference	MB 18 PG 183&184
Instrument Date	Mar 27, 2020
Instrument	2020046702
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	QUALITY TITLE & ESCRWO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 SENECA TRL, SAINT CLOUD, FL 34772-7783

Mortgage

Document Number	0057031491
Date	Apr 03, 2020
Instrument	5703/1491

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

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

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	$4,742.00 (+6.06%) Homeowner's exemption	$307,818 (+5.99%)	$423,400 (-3.82%) Land $78,000 Building $345,400
2023	$4,471.00 (+3.45%) Homeowner's exemption	$290,431 (+3%)	$440,200 (+24.56%) Land $60,000 Building $380,200
2022	$4,322.00 Homeowner's exemption	$281,972	$353,400 Land $55,000 Building $298,400

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 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

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; lenders make the official flood determination.