982 Seneca Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 982 Seneca Trl, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	3 Baths
Year Built	Built 2006
Square Footage	2,966 sqft Living Area
Lot Size	17,685 sqft (0.406 acres)
Garage	Attached, 620 sqft
Last Sale	$220,000 (2014)
Tax Bill	$7,174.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0048-0001-2280`
Alternative APNs	`263014004800012280` `131054`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,966 sqft Living Area
Gross Area	3,889 sqft Gross Area
1st Floor	2,450 sqft 1st Floor
Upper Floors	516 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	17,685 sqft (0.406 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	620 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	28 sqft Pool
Deck Area	887 sqft Deck
Porch Area	303 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	982 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 228
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	2280
Legal Lot Number	228
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1013
Census Tract	43303

Owner

Source: Osceola County records · APN 14-26-30-0048-0001-2280

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	Individual Name on File
Mailing Address	249 ARCADIA AVE, UNIONDALE, NY 11553-1723
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	Jan 13, 2014 · Amount on Record
Deed Sale	Jan 13, 2014 · Amount on Record
Prior Sale	Oct 05, 2006 · Amount on Record
Deed Doc Number	20145421
Deed Book / Page	4555 / 2549
Prior Transfer Date	Nov 07, 2013
Prior Transfer Doc	0045282642
Record Refreshed	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	982 SENECA TRL, SAINT CLOUD, FL 34772-7760
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 ARCADIA AVE, UNIONDALE, NY 11553-1723

Mortgage

Document Number	0061842039
Date	Apr 01, 2022
Book Page	6184/2039
Instrument	2022051961

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,580.00 (+5.66%)	$436,200 (-3.6%) Land $78,000 Building $358,200	$436,200 (-3.6%) Land $78,000 Building $358,200
2024	$7,174.00 (+5.3%)
2023	$6,813.00	$452,500 Land $60,000 Building $392,500	$452,500 Land $60,000 Building $392,500

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.