Osceola County property record for 916 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2006 |
| Square Footage | 2,982 sqft Heated Area |
| Lot Size | 11,108 sqft (0.255 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $172,000 (2011) |
| Tax Bill | $7,064.00 (2025) |
| Primary APN | 143035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,982 sqft Heated Area |
| Gross Area | 3,677 sqft Gross Area |
| 1st Floor | 2,466 sqft 1st Floor |
| Upper Floors | 516 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,108 sqft (0.255 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 462 sqft Garage |
| Porch | Open Porch |
| Porch Area | 233 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 143035 |
|---|---|
| Street Address | 916 SENECA TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7760 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PH 7 PB 18 PG 183-184 LOT 323 |
| 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 | 323 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 43303 |
Source: Osceola County records · APN 143035
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 | 916 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Apr 10, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK |
| Sep 29, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK |
| Aug 09, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FLAGSTAR BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 21, 2011 · Amount on Record |
| Deed Sale | Feb 21, 2011 · Amount on Record |
| Prior Sale | Apr 04, 2007 · Amount on Record |
| Deed Doc Number | 2011022748 |
| Deed Book / Page | 4096 / 0930 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 916 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 916 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Document Number | 0065801345 |
|---|---|
| Date | Apr 10, 2024 |
| Book Page | 6580/1345 |
| Instrument | 2024046189 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | 501 NW GRAND BLVD, OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 202 Months |
| Due | Feb 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 916 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 916 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Document Number | 0068550642 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | 6855/642 |
| Instrument | 2025119550 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 185 Months |
| Due | Feb 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 916 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 916 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Document Number | 0066472957 |
|---|---|
| Date | Aug 09, 2024 |
| Book Page | 6647/2957 |
| Instrument | 2024104122 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 198 Months |
| Due | Feb 01, 2041 |
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 | $7,064.00 (+11.14%) | $410,100 (-3.71%) Land $78,000 Building $332,100 | $410,100 (-3.71%) Land $78,000 Building $332,100 |
| 2023 | $6,356.00 (+14.9%) | $425,900 (+24.64%) Land $60,000 Building $365,900 | $425,900 (+24.64%) Land $60,000 Building $365,900 |
| 2022 | $5,532.00 | $341,700 Land $55,000 Building $286,700 | $341,700 Land $55,000 Building $286,700 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Moderate above 43% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,695 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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