869 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 869 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2008
Square Footage	2,033 sqft Heated Area
Lot Size	9,453 sqft (0.217 acres)
Occupancy	Owner Occupied
Last Sale	$185,000 (2009)
Tax Bill	$2,095.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`143054`
Alternative APN	`142630006300013420`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,033 sqft Heated Area
Gross Area	2,875 sqft Gross Area
1st Floor	2,033 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2008
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,453 sqft (0.217 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	441 sqft Garage

Exterior Amenities

Fence	Fence
Patio Area	400 sqft Patio
Porch	Open Porch
Porch Area	401 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	143054
Street Address	869 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 342
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	342
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1017
Census Tract	43303

Owner

Source: Osceola County records · APN 143054

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	Owner Name on File
Mailing Address	869 SENECA TRL, SAINT CLOUD, FL 34772-7783
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 02, 2009 · Amount on Record
Deed Sale	Jan 02, 2009 · Amount on Record
Prior Sale	Jan 02, 2009 · Amount on Record
Deed Doc Number	0037812809
Deed Book / Page	003781 / 002809
Last Transfer Date	Mar 11, 2011
Transfer Doc	0041032079
Record Refreshed	Jun 08, 2026

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	869 SENECA TRL, SAINT CLOUD, FL 34772-7783
Document Number	0053631100
Instrument Date	Jun 01, 2018
Transaction Type	Mortgage
Record Updated	Jul 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	869 SENECA TRL ST CLOUD FL 347727783, ST CLOUD, FL 34772-7783

Mortgage

Document Number	0053631100
Date	Jul 09, 2018
Book Page	005363/001100
Instrument	104090

Lender

Name	JPMORGAN CHASE BK NA
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 08, 2048

Interest

Rate	3.75%

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	$2,095.00 (+7%) Homeowner's exemption	$159,941 (+5.99%)	$350,900 (-4.33%) Land $78,000 Building $272,900
2023	$1,958.00 (+4.09%) Homeowner's exemption	$150,907 (+3%)	$366,800 (+23.88%) Land $60,000 Building $306,800
2022	$1,881.00 Homeowner's exemption	$146,512	$296,100 Land $55,000 Building $241,100

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.