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862 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 862 Seneca Trl, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2007
Square Footage2,033 sqft Living Area
Lot Size9,670 sqft (0.222 acres)
OccupancyOwner Occupied
Last Sale$70,100 (2017)
Tax Bill$4,144.00 (2024)

Property Details

APN / Parcel Number

Primary APN14-26-30-0063-0001-3010
Alternative APNs
  • 263014006300013010
  • 143013

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,033 sqft Living Area
Gross Area2,855 sqft Gross Area
1st Floor2,033 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,670 sqft (0.222 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area441 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area36 sqft Pool
Deck Area540 sqft Deck
Porch Area381 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address862 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 301
Legal Range30E
Legal Township26S
Legal Section14
Legal SubdivisionINDIAN LAKES PH 7
Legal Phase7
Legal Tract63
Legal Block3010
Legal Lot Number301
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1013
Census Tract43303

Owner

Source: Osceola County records · APN 14-26-30-0063-0001-3010

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 Record2 Company Names on File
Mailing Address862 SENECA TRL, SAINT CLOUD, FL 34772-7781
OccupancyOwner Occupied
Owner TypeOwner is a Company
VestingOwner is an Estate, Estate

Deeds, Mortgages & Sale History

DateDocument
Jul 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 11, 2017Intrafamily Transfer, Transfer · Federal Housing Administration (FHA) Mortgage
CONGRESSIONAL BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 11, 2017 · Amount on Record
Deed SaleJul 11, 2017 · Amount on Record
Prior SaleMar 27, 2007 · Amount on Record
Deed Doc Number2017101012
Deed Book / Page5177 / 2000
Prior Transfer DateMay 10, 2017
Prior Transfer Doc0051772000
Record RefreshedJun 08, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address862 SENECA TRL, SAINT CLOUD, FL 34772-7781
Transaction TypeMortgage
Record UpdatedAug 11, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address862 SENECA TRL, SAINT CLOUD, FL 34772-7781

Mortgage

Document Number0060080124
DateJul 22, 2021
Book Page6008/124
Instrument2021114054
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueJun 01, 2051

July 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 11, 2017
Property Address862 SENECA TRL, SAINT CLOUD, FL 34772-7781
Document Number0051772000
Book / Page5177 / 2000
Map ReferenceMB18 PG183&184
Instrument DateMay 10, 2017
Instrument2017101012
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyRESOURCE REAL ESTATE SVCS LL

Transaction

AmountAmount Recorded
Tax$490.70
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051772002
DateJul 11, 2017
Instrument5177/2002
Lender
NameCONGRESSIONAL BANK
TypeBank
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term359 Months
DueJun 01, 2047

Tax Assessment & Valuation

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

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$4,288.00 (+3.47%) Homeowner's exemption$282,473 (+3.38%)$359,000 (-4.14%) Land $78,000 Building $281,000
2024$4,144.00 (+14.25%)
2023$3,627.00 (+12.29%) Homeowner's exemption$273,233 (+15.71%)$374,500 (+22.67%) Land $60,000 Building $314,500
2022$3,230.00 Homeowner's exemption$236,129$305,300 Land $55,000 Building $250,300

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 500 ft

Wildfire

Wildfire RiskModerate
above 44% of the US · above 14% of Florida
Wildfire LikelihoodAbout 1 in 1,205 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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