887 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 887 Seneca Trl, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2007
Square Footage	2,033 sqft Living Area
Lot Size	9,844 sqft (0.226 acres)
Occupancy	Owner Occupied
Last Sale	$395,000 (2026)
Tax Bill	$1,811.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0063-0001-3400`
Alternative APNs	`263014006300013400` `143052`

Interior

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

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,844 sqft (0.226 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	441 sqft Garage
Deck Area	420 sqft Deck
Porch Area	401 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	887 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 340
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES PH 7
Legal Phase	7
Legal Tract	63
Legal Block	3400
Legal Lot Number	340
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1017
Census Tract	43303

Owner

Source: Osceola County records · APN 14-26-30-0063-0001-3400

Assessment roll updated November 26, 2025 · Last verified July 2026

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	887 SENECA TRL, SAINT CLOUD, FL 34772-7783
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Tenants In Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2026 · Amount on Record
Deed Sale	Jul 01, 2026 · Amount on Record
Prior Sale	Sep 06, 2007 · Amount on Record
Deed Doc Number	202686982
Deed Book / Page	6997 / 2697
Record Refreshed	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 01, 2026
Property Address	887 SENECA TRL, SAINT CLOUD, FL 34772-7783
Document Number	0000086982
Book / Page	6997 / 2697
Instrument Date	Jul 01, 2026
Instrument	202686982
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$279,265.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants In Common
Address	887 SENECA TRL, SAINT CLOUD, FL 34772-7783

Mortgage

Document Number	0000086983,
Date	Jul 01, 2026
Instrument	202686983

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,811.00 (+4.38%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$160,712 (+5.99%)	$348,800 (-4.25%) Land $78,000 Building $270,800
2024	$1,735.00 (+3.71%)
2023	$1,673.00 (-0.18%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$151,634 (+3%)	$364,300 (+23.79%) Land $60,000 Building $304,300
2022	$1,676.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$147,218	$294,300 Land $55,000 Building $239,300

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 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.