Osceola County property record for 977 Seneca Trl, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,927 sqft Living Area |
| Lot Size | 12,109 sqft (0.278 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $2,800 (2023) |
| Tax Bill | $5,542.00 (2024) |
| Primary APN | 14-26-30-0048-0001-1880 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,927 sqft Living Area |
| Gross Area | 2,891 sqft Gross Area |
| 1st Floor | 1,927 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 12,109 sqft (0.278 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Porch Area | 480 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 977 SENECA TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7761 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PHASE 5 & 6 PB 17 PGS 84-86 LOT 188 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES PH 5 AND 6 |
| Legal Phase | 5 |
| Legal Tract | 48 |
| Legal Block | 1880 |
| Legal Lot Number | 188 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1014 |
| Census Tract | 43303 |
Source: Osceola County records · APN 14-26-30-0048-0001-1880
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 977 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Mar 22, 2023 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage PNC BANK NA |
| Nov 10, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FIRST GUARANTY MORTGAGE CORP |
| Jan 09, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 22, 2023 · Amount on Record |
| Deed Sale | Mar 22, 2023 · Amount on Record |
| Prior Sale | Oct 01, 2014 · Amount on Record |
| Deed Doc Number | 202332589 |
| Deed Book / Page | 6374 / 1851 |
| Prior Transfer Date | Jan 02, 2019 |
| Prior Transfer Doc | 0054601746 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 22, 2023 |
| Property Address | 977 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Document Number | 0063741851 |
| Book / Page | 6374 / 1851 |
| Map Reference | MB 17 PG 84-86 |
| Instrument Date | Mar 15, 2023 |
| Instrument | 2023032589 |
| Transaction Type | Transfer |
| Record Updated | Apr 04, 2023 |
| Title Company | THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 420 158TH ST E, BRADENTON, FL 34212-8174 |
| Name | Verified Name |
|---|---|
| Address | 977 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Document Number | 0063741853 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 6374/1853 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 977 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 977 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Document Number | 0058300796 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 5830/796 |
| Instrument | 2020153927 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 01, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 09, 2019 |
| Property Address | 977 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Document Number | 0054601746 |
| Book / Page | 005460 / 001746 |
| Instrument Date | Jan 02, 2019 |
| Instrument | 3202 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 977 SENECA TRL ST CLOUD FL 347727761, ST CLOUD, FL 34772-7761 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $5,332.00 (-3.79%) Homeowner's exemption | $340,800 (+86.54%) Land $78,000 Building $262,800 | $340,800 (-2.99%) Land $78,000 Building $262,800 |
| 2024 | $5,542.00 (+127.04%) | ||
| 2023 | $2,441.00 (+4.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $182,695 (+3%) | $351,300 (+24.09%) Land $60,000 Building $291,300 |
| 2022 | $2,347.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $177,374 | $283,100 Land $55,000 Building $228,100 |
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 X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 34% of the US · above 9% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,439 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.
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