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Overview

4 bd3 ba2,250 sqft2 car garageSingle Family
TypeSingle Family
HOA$467.77/yr
Built2007
Lot9,583 sqft
Living area2,250 sqft
Price / sqft$193
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenThermostatRain GuttersDishwasherDisposalDryerMicrowave

881 Seneca Trl is a 2007-built home in Indian Lakes Ph 7, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,250 square feet of living space. Listed at $435,000 (about $193/sqft), 95 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $467.77 semi-annually.

From the listing

A very Nice 4 bedrooms/3 bathrooms/2 car garage located in Indian Lakes Subdivision in Saint Cloud. House just has freshly new interior, exterior, and outside patio floor, garage floor paint, large screen enclosed patio, stainless steel appliances, granite countertop, & tile throughout interior floor. Community Amenities included swimming pool, tennis court, playground, and great sidewalk for walking. Home is ready to move in. Call to schedule for a tour. Price is just reduced 20K.

The essentials

Built
2007
Price / sqft
$193
On market
95 days
Annual tax
$6,279
HOA
$467.77/yr
Flood zone
X · Low risk
Lot
9,583 sqft
Type
Single Family Residence

At a glance

Single family
Built 2007
2 car garage
9,583 sqft lot
Lot size
2,250 sqft
Living area

Payment

Est. monthly payment
$3,049/mo
Down payment (20%)
$87,000
Property taxes
$523/mo
HOA
$467.77/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2007
Lot
9,583 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
95
Ceiling Fans(s)
Eat-in Kitchen
Thermostat
Rain Gutters
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Michigan Avenue Elem (K 5)
Middle
St. Cloud Middle (6-8)
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$6,279
Parcel #
14-26-30-0063-0001-3410

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Indian Lakes Ph 7
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
9,583 sqft
HOA
$467.77/yr
Kayla Smith, Community Association Manager

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #O6422860
$435,000-4.4%
$193/sqft
7/7/2026
Listed for sale
Source: Stellar MLS #O6422860
$455,000
$202/sqft

Neighborhood

881 Seneca Trl
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $435,000
$432,500 – $435,000
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 376 home closings in 34772 landed at this number or higher (63%). The median one sat 41 days before it went under contract, and this one is on day 95 after a $20,000 cut.

Sample: 376 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,048/mo
Principal & interest$2,269
Property taxes$523
Insurance$218
HOA$39
Down payment20% · $87,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$435,000

$193 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,250 sq ft

Time on market

95 days

Year built

2007

Monthly payment

About $3,049/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,279 annual tax bill, insurance, and the $467.77/yr HOA fee.

HOA fee

$467.77/yr

Managed by Kayla Smith, Community Association Manager.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byVISTA REALTY INVESTMENTListing agent: Tuan NguyenListing data from Stellar MLS, MLS# O6422860.

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