976 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 976 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	4 Baths
Year Built	Built 2006
Square Footage	2,634 sqft Heated Area
Lot Size	13,024 sqft (0.298 acres)
Occupancy	Owner Occupied
Last Sale	$255,000 (2016)
Tax Bill	$4,472.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`131055`
Alternative APN	`142630004800012290`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	2,634 sqft Heated Area
Gross Area	3,666 sqft Gross Area
1st Floor	2,064 sqft 1st Floor
Upper Floors	570 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

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	13,024 sqft (0.298 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	606 sqft Garage

Exterior Amenities

Pool Area	64 sqft Pool
Fence	Fence
Deck Area	616 sqft Deck
Porch	Open Porch
Porch Area	426 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	131055
Street Address	976 SENECA TRL
City	SAINT CLOUD
State	FL
Zip	34772-7760
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	INDIAN LAKES PHASE 5 & 6 PB 17 PGS 84-86 LOT 229
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Phase	5
Legal Tract	48
Legal Block	1
Legal Lot Number	229
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1013
Census Tract	43303

Owner

Source: Osceola County records · APN 131055

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	Individual Name on File
Mailing Address	976 SENECA TRL, SAINT CLOUD, FL 34772-7760
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 27, 2016 · Amount on Record
Deed Sale	Apr 27, 2016 · Amount on Record
Prior Sale	Feb 15, 2013 · Amount on Record
Deed Doc Number	2016062707
Deed Book / Page	4949 / 2812
Record Refreshed	Jun 08, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	976 SENECA TRL, SAINT CLOUD, FL 34772-7760
Document Number	0056560434
Instrument Date	Jan 06, 2020
Transaction Type	Mortgage
Record Updated	Feb 04, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	976 SENECA TRL ST CLOUD FL 347727760, ST CLOUD, FL 34772-7760

Mortgage

Document Number	0056560434
Date	Jan 10, 2020
Book Page	005656/000434
Instrument	5071

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 09, 2050

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	$4,472.00 (+6.1%) Homeowner's exemption	$292,762 (+5.99%)	$419,400 (-10.12%) Land $78,000 Building $341,400
2023	$4,215.00 (+3.49%) Homeowner's exemption	$276,226 (+3%)	$466,600 (+22.47%) Land $60,000 Building $406,600
2022	$4,073.00 Homeowner's exemption	$268,181	$381,000 Land $55,000 Building $326,000

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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