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3051 Cedar Hammock Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3051 Cedar Hammock Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,746 sqft · built 2007
Lot Size0.219 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$220,000 (Oct 2017)
Tax Bill$4,731 (2025)
Deeds & MortgagesOct 2020 Mortgage
Oct 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN120471

Property Details

APN / Parcel Number

Primary APN120471
Alternative APN
  • 152630070000011070

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,746 sqft Heated Area
Gross Area3,350 sqft
1st Floor Area2,746 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)
Lot Dimensions120 ft deep x 80 ft wide
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area163 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number120471
Street Address3051 CEDAR HAMMOCK CT
CitySAINT CLOUD
StateFL
Zip34772-8725
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 107
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number107
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 120471

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 RecordIndividual Name on File
Mailing Address3051 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8725
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 09, 2020Deed of Trust, Mortgage · Conventional Mortgage
R P FNDG INC
Oct 17, 2017Warranty Deed, Transfer · FHA Mortgage
HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 17, 2017 · Amount on Record
Deed SaleOct 17, 2017 · Amount on Record
Prior SaleDec 03, 2012 · Amount on Record
Deed Document Number2017148218
Deed Book / Page5224 / 2115
Record UpdatedJun 08, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3051 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8725
Document Number0058182890
Instrument DateOct 09, 2020
Transaction TypeMortgage
Record UpdatedNov 04, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3051 CEDAR HAMMOCK CT ST CLOUD FL 347728725, ST CLOUD, FL 34772-8725

Mortgage

Document Number0058182890
DateOct 23, 2020
Book Page005818/002890
Instrument144150
Lender
NameR P FNDG INC
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 22, 2050

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 17, 2017
Property Address3051 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8725
Document Number0052242115
Book / Page5224 / 2115
Map ReferenceMB16 PG34
Instrument DateOct 10, 2017
Instrument2017148218
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyOLIVER TITLE LAW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,540.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address915 POPLAR DR, 915, ALTAMONTE SPRINGS, FL 32714-7011

Transferred To (Grantee/Buyer)

NameVerified Name
Address3051 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8725

Mortgage

Document Number0052242117
DateOct 17, 2017
Instrument5224/2117
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,731.00 (+8.73%) Homeowner's exemption$206,491 (+5.99%)$399,600 (+9.66%) Land $85,000 Building $314,600
2023$4,351.00 (+5.92%) Homeowner's exemption$194,828 (+3%)$364,400 (+10.73%) Land $75,000 Building $289,400
2022$4,108.00 Homeowner's exemption$189,154$329,100 Land $70,000 Building $259,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

Wildfire

Wildfire RiskModerate
above 46% of the US · above 17% of Florida
Wildfire LikelihoodAbout 1 in 1,031 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumFiber1,000 / 1,000
Lumen TechnologiesFiber100 / 100

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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