Osceola County property record for 994 Seneca Trl, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2006 |
| Square Footage | 2,982 sqft Living Area |
| Lot Size | 9,975 sqft (0.229 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $394,300 (2006) |
| Tax Bill | $4,428.00 (2024) |
| Primary APN | 14-26-30-0048-0001-2260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,982 sqft Living Area |
| Gross Area | 3,747 sqft Gross Area |
| 1st Floor | 2,466 sqft 1st Floor |
| Upper Floors | 516 sqft Upper Floors |
| Stories | 2 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 | 9,975 sqft (0.229 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 462 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 240 sqft Pool |
| Deck Area | 576 sqft Deck |
| Porch Area | 303 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 994 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 226 |
| 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 | 2260 |
| Legal Lot Number | 226 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1020 |
| Census Tract | 43303 |
Source: Osceola County records · APN 14-26-30-0048-0001-2260
Assessment roll updated November 26, 2025 · Last verified August 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 | 994 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage ROCKET MORTGAGE LLC |
| Nov 14, 2023 | Intrafamily Transfer, Transfer |
| Mar 04, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 31, 2006 · Amount on Record |
| Deed Sale | Mar 31, 2006 · Amount on Record |
| Deed Doc Number | 200687291 |
| Deed Book / Page | 3112 / 2050 |
| Last Transfer Date | Nov 14, 2023 |
| Transfer Doc | 0065042507 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 994 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 994 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Document Number | 0068491288 |
|---|---|
| Date | Sep 15, 2025 |
| Book Page | 6849/1288 |
| Instrument | 2025114227 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 14, 2023 |
| Property Address | 994 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Document Number | 0065042507 |
| Book / Page | 6504 / 2507 |
| Map Reference | MB 17 PG 84-86 |
| Instrument Date | Jun 09, 2023 |
| Instrument | 2023149704 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 994 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 994 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 994 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0061640449 |
|---|---|
| Date | Mar 04, 2022 |
| Book Page | 6164/449 |
| Instrument | 2022035215 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 994 SENECA TRL, SAINT CLOUD, FL 34772-7760 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0057870850 |
|---|---|
| Date | Sep 03, 2020 |
| Book Page | 5787/850 |
| Instrument | 2020117494 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 01, 2030 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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 | $4,581.00 (+3.46%) | $298,852 (+5.99%) | $426,000 (-3.66%) Land $78,000 Building $348,000 |
| 2024 | $4,428.00 (+2.52%) | ||
| 2023 | $4,319.00 (+3.47%) Homeowner's exemption | $281,971 (+3%) | $442,200 (+23.83%) Land $60,000 Building $382,200 |
| 2022 | $4,174.00 Homeowner's exemption | $273,759 | $357,100 Land $55,000 Building $302,100 |
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 |
| 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.
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