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3702 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3702 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2007
Square Footage3,367 sqft Heated Area
Lot Size12,066 sqft (0.276 acres)
OccupancyOwner Occupied
Last Sale$225,000 (2014)
Tax Bill$5,488.00 (2025)

Property Details

APN / Parcel Number

Primary APN120455
Alternative APN
  • 152630070000010910

Interior

Bedrooms4 Beds
Full Baths3 Baths
Partial Baths1 Partial Baths
Building Area3,367 sqft Heated Area
Gross Area3,822 sqft Gross Area
1st Floor1,565 sqft 1st Floor
Upper Floors1,802 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2007
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area12,066 sqft (0.276 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area441 sqft Garage

Exterior Amenities

Pool Area330 sqft Pool
FenceFence
Deck Area1,700 sqft Deck
PorchOpen Porch
Porch Area14 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number120455
Street Address3702 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8730
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 91
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number91
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 120455

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
Co-ownerVerified Secondary Owner
Mailing Address3702 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 27, 2019Deed of Trust, Mortgage · Commercial Mortgage
SUNTRUST BANK
Oct 26, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
R P FNDG INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 21, 2014 · Amount on Record
Deed SaleApr 21, 2014 · Amount on Record
Prior SaleJun 22, 2007 · Amount on Record
Deed Doc Number2014054836
Deed Book / Page4597 / 2979
Record RefreshedJun 08, 2026

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3702 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055481864
DateJun 27, 2019
Book Page5548/1864
Instrument2019083381
Lender
NameSUNTRUST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3702 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730
Document Number0058292838
Instrument DateOct 26, 2020
Transaction TypeMortgage
Record UpdatedNov 24, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3702 CEDAR HAMMOCK TRL ST CLOUD FL 347728730, ST CLOUD, FL 34772-8730

Mortgage

Document Number0058292838
DateNov 10, 2020
Book Page005829/002838
Instrument153490
Lender
NameR P FNDG INC
AddressLAKE MARY, FL 32746
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueNov 09, 2050

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$5,488.00 (+8.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$253,768 (+5.99%)$467,100 (+9.19%) Land $85,000 Building $382,100
2023$5,064.00 (+5.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$239,434 (+3%)$427,800 (+10.12%) Land $75,000 Building $352,800
2022$4,798.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$232,461$388,500 Land $70,000 Building $318,500

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 ZoneZone A
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationNot determined for this zone

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; lenders make the official flood determination.

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