Osceola County property record for 856 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2009 |
| Square Footage | 2,102 sqft Heated Area |
| Lot Size | 9,278 sqft (0.212 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $228,000 (2017) |
| Tax Bill | $3,346.00 (2025) |
| Primary APN | 143012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,102 sqft Heated Area |
| Gross Area | 2,884 sqft Gross Area |
| 1st Floor | 2,102 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| 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 | 9,278 sqft (0.212 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 650 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 120 sqft Shed |
| Patio Area | 126 sqft Patio |
| Porch | Open Porch |
| Porch Area | 132 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 143012 |
|---|---|
| Street Address | 856 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 300 |
| 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 | 300 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 43303 |
Source: Osceola County records · APN 143012
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 856 SENECA TRL, SAINT CLOUD, FL 34772-7781 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 04, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage NAVY FCU |
| Aug 28, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Apr 26, 2017 | Warranty Deed, Transfer · Veterans Administration Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 26, 2017 · Amount on Record |
| Deed Sale | Apr 26, 2017 · Amount on Record |
| Prior Sale | Apr 14, 2010 · Amount on Record |
| Deed Doc Number | 2017062097 |
| Deed Book / Page | 5138 / 0954 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 856 SENECA TRL, SAINT CLOUD, FL 34772-7781 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 856 SENECA TRL, SAINT CLOUD, FL 34772-7781 |
| Document Number | 0068751538 |
|---|---|
| Date | Nov 04, 2025 |
| Book Page | 6875/1538 |
| Instrument | 2025136568 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 856 SENECA TRL, SAINT CLOUD, FL 34772-7781 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0057830559 |
|---|---|
| Date | Aug 28, 2020 |
| Book Page | 5783/559 |
| Instrument | 2020114300 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2017 |
| Property Address | 856 SENECA TRL, SAINT CLOUD, FL 34772-7781 |
| Document Number | 0051380954 |
| Book / Page | 005138 / 000954 |
| Instrument Date | Apr 19, 2017 |
| Instrument | 62097 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,596.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 856 SENECA TRL ST CLOUD FL 347727781, ST CLOUD, FL 34772-7781 |
| Document Number | 51380962 |
|---|---|
| Date | Apr 26, 2017 |
| Book Page | 005138/000962 |
| Instrument | 62100 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2047 |
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 | $3,346.00 (+6.36%) Homeowner's exemption | $229,860 (+5.99%) | $351,100 (-4.49%) Land $78,000 Building $273,100 |
| 2023 | $3,146.00 (+3.66%) Homeowner's exemption | $216,876 (+3%) | $367,600 (+24.23%) Land $60,000 Building $307,600 |
| 2022 | $3,035.00 Homeowner's exemption | $210,560 | $295,900 Land $55,000 Building $240,900 |
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.
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