3190 Cedar Hammock Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3190 Cedar Hammock Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,746 sqft · built 2007
Lot Size	0.373 acres (16,248 sqft)
Owner	Company Name on Record
Last Sale	$284,000 (Mar 2021)
Tax Bill	$8,920 (2025)
Deeds & Mortgages	Sep 2021 Construction Loan Mar 2021 Sale + 1 more
Flood Zone	Zone A (high risk)
APN	`120467`

Property Details

APN / Parcel Number

Primary APN	`120467`
Alternative APN	`152630070000011030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,746 sqft Heated Area
Gross Area	3,281 sqft
1st Floor Area	2,746 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,248 sqft (0.373 acres)
Garage Type	Finished
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	81 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	120467
Street Address	3190 CEDAR HAMMOCK CT
City	SAINT CLOUD
State	FL
Zip	34772-8726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 103
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	103
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	600 GALLERIA PKWY SE STE 300, 300, ATLANTA, GA 30339-8146
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Construction Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Mar 5, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 4, 2021	Warranty Deed, Transfer ZILLOW CLOSING SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2021 · Amount on Record
Deed Sale	Mar 5, 2021 · Amount on Record
Prior Sale	Feb 4, 2021 · Amount on Record
Deed Document Number	0059052317
Deed Book / Page	5905 / 2317
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3190 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8726
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0060491440
Date	Sep 22, 2021
Book Page	6049/1440
Instrument	2021147305

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 5, 2021
Property Address	3190 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8726
Document Number	0059052317
Book / Page	5905 / 2317
Map Reference	MB 16 PG 34
Instrument Date	Mar 5, 2021
Instrument	2021033137
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,988.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4343 N SCOTTSDALE RD, 4343, SCOTTSDALE, AZ 85251-3343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 4, 2021
Property Address	3190 CEDAR HAMMOCK CT, SAINT CLOUD, FL 34772-8726
Document Number	0058841319
Book / Page	5884 / 1319
Map Reference	MB 16 PG 34
Instrument Date	Feb 3, 2021
Instrument	2021016209
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ZILLOW CLOSING SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$2,107.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 13TH AVE N, 435, SAINT PETERSBURG, FL 33701-1125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,920.00 (+10.11%)	$397,400 (+9.69%) Land $85,000 Building $312,400	$397,400 (+9.69%) Land $85,000 Building $312,400
2023	$8,101.00 (+10.05%)	$362,300 (+10.69%) Land $75,000 Building $287,300	$362,300 (+10.69%) Land $75,000 Building $287,300
2022	$7,361.00	$327,300 Land $70,000 Building $257,300	$327,300 Land $70,000 Building $257,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
CenturyLink Fiber	100 / 100

May also be available: Verizon.

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