Osceola County property record for 838 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2009 |
| Square Footage | 1,673 sqft Heated Area |
| Lot Size | 8,756 sqft (0.201 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $225,000 (2018) |
| Tax Bill | $2,992.00 (2025) |
| Primary APN | 143009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,673 sqft Heated Area |
| Gross Area | 2,376 sqft Gross Area |
| 1st Floor | 1,673 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,756 sqft (0.201 acres) |
| Depth X Width | 125 ft x 70 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 438 sqft Garage |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 120 sqft Shed |
| Patio Area | 250 sqft Patio |
| Porch | Open Porch |
| Porch Area | 265 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 143009 |
|---|---|
| Street Address | 838 SENECA TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7781 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PH 7 PB 18 PG 183-184 LOT 297 |
| 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 | 297 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 43303 |
Source: Osceola County records · APN 143009
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 |
|---|---|
| Mailing Address | 838 SENECA TRL, SAINT CLOUD, FL 34772-7781 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) QUICKEN LNS |
| Aug 29, 2018 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 29, 2018 · Amount on Record |
| Deed Sale | Aug 29, 2018 · Amount on Record |
| Prior Sale | Jun 10, 2016 · Amount on Record |
| Deed Doc Number | 2018131452 |
| Deed Book / Page | 5393 / 0358 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 838 SENECA TRL, SAINT CLOUD, FL 34772-7781 |
| Document Number | 0057072386 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 838 SENECA TRL ST CLOUD FL 347727781, ST CLOUD, FL 34772-7781 |
| Document Number | 0057072386 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 005707/002386 |
| Instrument | 50623 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Apr 13, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 29, 2018 |
| Property Address | 838 SENECA TRL, SAINT CLOUD, FL 34772-7781 |
| Document Number | 0053930358 |
| Book / Page | 005393 / 000358 |
| Instrument Date | Aug 24, 2018 |
| Instrument | 131452 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2018 |
| Title Company | LAUREATE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 838 SENECA TRL ST CLOUD FL 347727781, ST CLOUD, FL 34772-7781 |
| Document Number | 53930360 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 005393/000360 |
| Instrument | 131453 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 28, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $2,992.00 (+9.36%) Homeowner's exemption Widower's exemption | $215,072 (+8.03%) | $315,800 (-2.56%) Land $78,000 Building $237,800 |
| 2023 | $2,736.00 (+0.77%) Homeowner's exemption Widower's exemption | $199,077 (+3%) | $324,100 (+23.75%) Land $60,000 Building $264,100 |
| 2022 | $2,715.00 Homeowner's exemption Widower's exemption | $193,279 | $261,900 Land $55,000 Building $206,900 |
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 100 ft |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures