1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Seneca Trl

964 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 964 Seneca Trl, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2006
Square Footage2,634 sqft Living Area
Lot Size14,200 sqft (0.326 acres)
OccupancyOwner Occupied
Last Sale$320,000 (2019)
Tax Bill$3,244.00 (2024)

Property Details

APN / Parcel Number

Primary APN14-26-30-0048-0001-2310
Alternative APNs
  • 263014004800012310
  • 131057

Interior

Bedrooms5 Beds
Full Baths4 Baths
Building Area2,634 sqft Living Area
Gross Area3,666 sqft Gross Area
1st Floor2,064 sqft 1st Floor
Upper Floors570 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area14,200 sqft (0.326 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area606 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area288 sqft Pool
Deck Area537 sqft Deck
Porch Area426 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address964 SENECA TRL
CitySAINT CLOUD
StateFL
Zip34772-7760
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionINDIAN LAKES PHASE 5 & 6 PB 17 PGS 84-86 LOT 231
Legal Range30E
Legal Township26S
Legal Section14
Legal SubdivisionINDIAN LAKES PH 5 AND 6
Legal Phase5
Legal Tract48
Legal Block2310
Legal Lot Number231
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1013
Census Tract43303

Owner

Source: Osceola County records · APN 14-26-30-0048-0001-2310

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 Individual Names on File
Mailing Address964 SENECA TRL, SAINT CLOUD, FL 34772-7760
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 17, 2022Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA
Aug 19, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 19, 2019 · Amount on Record
Deed SaleAug 19, 2019 · Amount on Record
Prior SaleFeb 26, 2016 · Amount on Record
Deed Doc Number2019107286
Deed Book / Page5575 / 2673
Prior Transfer DateFeb 15, 2016
Prior Transfer Doc0049191959
Record RefreshedJun 08, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address964 SENECA TRL, SAINT CLOUD, FL 34772-7760
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address964 SENECA TRL, SAINT CLOUD, FL 34772-7760

Mortgage

Document Number0061740420
DateMar 17, 2022
Book Page6174/420
Instrument2022043118
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueApr 01, 2042

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 19, 2019
Property Address964 SENECA TRL, SAINT CLOUD, FL 34772-7760
Document Number0055752673
Book / Page5575 / 2673
Map ReferenceMB 17 PG 84-86
Instrument DateAug 16, 2019
Instrument2019107286
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,240.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address964 SENECA TRL, 964, SAINT CLOUD, FL 34772-7760

Transferred To (Grantee/Buyer)

NameVerified Name
Address964 SENECA TRL, SAINT CLOUD, FL 34772-7760

Mortgage

Document Number0055752675
DateAug 19, 2019
Instrument5575/2675
Lender
NameFLAGSTAR BANK FSB
TypeBank
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

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$3,359.00 (+3.55%) Homeowner's exemption$230,561 (+5.99%)$408,200 (-10.5%) Land $78,000 Building $330,200
2024$3,244.00 (+2.72%)
2023$3,158.00 (+3.68%) Homeowner's exemption$217,538 (+3%)$456,100 (+23.47%) Land $60,000 Building $396,100
2022$3,046.00 Homeowner's exemption$211,202$369,400 Land $55,000 Building $314,400

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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Nearby Properties on Seneca Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures