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3700 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3700 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,365 sqft · built 2007
Lot Size0.225 acres (9,801 sqft)
Owner2 Individual Names on File
Last Sale$232,000 (Dec 2016)
Tax Bill$6,843 (2025)
Deeds & MortgagesFeb 2024 Mortgage
Flood ZoneZone X (minimal risk)
APN120454

Property Details

APN / Parcel Number

Primary APN120454
Alternative APN
  • 152630070000010900

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,365 sqft Heated Area
Gross Area2,925 sqft
1st Floor Area2,365 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,801 sqft (0.225 acres)
Lot Dimensions120 ft deep x 80 ft wide
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area140 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number120454
Street Address3700 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8730
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 90
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number90
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 120454

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 Record2 Individual Names on File
Mailing Address3700 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 01, 2016 · Amount on Record
Deed SaleDec 01, 2016 · Amount on Record
Prior SaleDec 31, 2015 · Amount on Record
Deed Document Number2016178871
Deed Book / Page5064 / 0250
Record UpdatedJun 08, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3700 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730
Transaction TypeMortgage
Record UpdatedJun 09, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3700 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730

Mortgage

Document Number0065422591
DateFeb 01, 2024
Book Page6542/2591
Instrument2024013230
Lender
NameDISCOVER BANK
TypeBank
AddressGREENWOOD, DE 19950
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2054

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$6,843.00 (+6.09%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$217,699 (+5.99%)$364,100 (+9.73%) Land $85,000 Building $279,100
2023$6,450.00 (+4.12%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$205,402 (+3%)$331,800 (+10.64%) Land $75,000 Building $256,800
2022$6,195.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$199,420$299,900 Land $70,000 Building $229,900

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 100 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 RiskLow
above 38% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 1,408 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 93 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumFiber1,000 / 1,000
VerizonFixed Wireless300 / 20
Lumen TechnologiesFiber100 / 100

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

Mobile Coverage

5G and 4G LTE

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