3181 Cedar Hammock Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3181 Cedar Hammock Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2007
Square Footage	2,746 sqft Heated Area
Lot Size	15,202 sqft (0.348 acres)
Occupancy	Owner Occupied
Last Sale	$315,000 (2020)
Tax Bill	$6,083.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`120468`
Alternative APN	`152630070000011040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,746 sqft Heated Area
Gross Area	3,232 sqft Gross Area
1st Floor	2,746 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2007
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	15,202 sqft (0.348 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	441 sqft Garage

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	96 sqft Shed
Patio Area	400 sqft Patio
Porch	Open Porch
Porch Area	45 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	120468
Street Address	3181 CEDAR HAMMOCK CT
City	SAINT CLOUD
State	FL
Zip	34772-8726
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 104
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	104
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records · APN 120468

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3181 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8726
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 15, 2020 · Amount on Record
Deed Sale	Dec 15, 2020 · Amount on Record
Prior Sale	Dec 03, 2012 · Amount on Record
Deed Doc Number	0058512744
Deed Book / Page	5851 / 2744
Record Refreshed	Jun 08, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 15, 2020
Property Address	3181 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8726
Document Number	0058512744
Book / Page	5851 / 2744
Map Reference	MB 16 PG 34-41
Instrument Date	Dec 15, 2020
Instrument	2020170445
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1969 WALKER AVE, 1969, MEMPHIS, TN 38104-5636

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	3181 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8726

Mortgage

Document Number	0058512746
Date	Dec 15, 2020
Instrument	5851/2746

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

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

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	$6,083.00 (+7.97%) Homeowner's exemption	$282,004 (+5.99%)	$401,500 (+9.4%) Land $85,000 Building $316,500
2023	$5,634.00 (+5.23%) Homeowner's exemption	$266,075 (+3%)	$367,000 (+10.38%) Land $75,000 Building $292,000
2022	$5,354.00 Homeowner's exemption	$258,326	$332,500 Land $70,000 Building $262,500

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 A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 17% of Florida
Wildfire Likelihood	About 1 in 1,031 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.