Osceola County property record for 989 Seneca Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2005 |
| Square Footage | 1,990 sqft Heated Area |
| Lot Size | 11,064 sqft (0.253 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $164,800 (2013) |
| Tax Bill | $2,769.00 (2025) |
| Primary APN | 131015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,990 sqft Heated Area |
| Gross Area | 2,912 sqft Gross Area |
| 1st Floor | 1,990 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,064 sqft (0.253 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 462 sqft Garage |
| Porch | Open Porch |
| Porch Area | 460 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 131015 |
|---|---|
| Street Address | 989 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 189 |
| 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 | 189 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 43303 |
Source: Osceola County records · APN 131015
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 | 2 Owner Names on File |
|---|---|
| Mailing Address | 989 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage NEW DAY FINANCIAL LLC |
| Sep 06, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 27, 2013 · Amount on Record |
| Deed Sale | Aug 27, 2013 · Amount on Record |
| Prior Sale | Nov 08, 2011 · Amount on Record |
| Deed Doc Number | 2013134852 |
| Deed Book / Page | 4493 / 1679 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 989 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 989 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Document Number | 0060670211 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 6067/211 |
| Instrument | 2021161705 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 989 SENECA TRL, SAINT CLOUD, FL 34772-7761 |
| Document Number | 0055880490 |
| Instrument Date | Sep 06, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 989 SENECA TRL ST CLOUD FL 347727761, ST CLOUD, FL 34772-7761 |
| Document Number | 0055880490 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 005588/000490 |
| Instrument | 117614 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 11, 2049 |
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 | $2,769.00 (+6.54%) Homeowner's exemption | $197,622 (+5.99%) | $343,500 (-4.29%) Land $78,000 Building $265,500 |
| 2023 | $2,599.00 (+3.84%) Homeowner's exemption | $186,460 (+3%) | $358,900 (+24.19%) Land $60,000 Building $298,900 |
| 2022 | $2,503.00 Homeowner's exemption | $181,030 | $289,000 Land $55,000 Building $234,000 |
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 |
| 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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