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3703 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3703 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2010
Square Footage2,386 sqft Living Area
Lot Size9,888 sqft (0.227 acres)
OccupancyOwner Occupied
Last Sale$235,000 (2017)
Tax Bill$5,139.00 (2025)

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-1790
Alternative APNs
  • 263015070000011790
  • 120543

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,386 sqft Living Area
Gross Area3,058 sqft Gross Area
1st Floor2,386 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2010
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,888 sqft (0.227 acres)
Depth X Width120 ft x 80 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area609 sqft Garage
Patio Area24 sqft Patio
Porch Area63 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3703 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8734
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 179
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1790
Legal Lot Number179
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-1790

Assessment roll updated November 26, 2025 · Last verified July 2026

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 Address3703 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 07, 2026Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA
Aug 26, 2021Deed of Trust, Mortgage · Conventional Mortgage
VAN DYK MORTGAGE CORP
Nov 21, 2017Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 21, 2017 · Amount on Record
Deed SaleNov 21, 2017 · Amount on Record
Prior SaleDec 12, 2016 · Amount on Record
Deed Doc Number2017166436
Deed Book / Page5242 / 2424
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 07, 2026
Property Address3703 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734
Document Number0000088566
Book / Page6999 / 2408
Instrument DateJul 01, 2026
Instrument202688566
Transaction TypeMortgage
Record UpdatedJul 14, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3703 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734

Mortgage

Document Number0000088566,
DateJul 07, 2026
Book Page6999/2408
Instrument202688566
Lender
NameBANK OF AMERICA
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate6.48%
Max Rate-1%

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3703 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734
Transaction TypeMortgage
Record UpdatedJan 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3703 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734

Mortgage

Document Number0060302536
DateAug 26, 2021
Book Page6030/2536
Instrument2021132989
Lender
NameVAN DYK MORTGAGE CORP
TypeMortgage Company
AddressGRAND RAPIDS, MI 49546
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueSep 01, 2041

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 21, 2017
Property Address3703 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734
Document Number0052422424
Book / Page5242 / 2424
Map ReferenceMB16 PG34-41
Instrument DateNov 15, 2017
Instrument2017166436
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyQUALITY TITLE & ESC LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,645.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2521 HINSDALE DR, 2521, KISSIMMEE, FL 34741-7761

Transferred To (Grantee/Buyer)

NameVerified Name
Address3024 MARTA CIR APT 303, 303, KISSIMMEE, FL 34741-0761

Mortgage

Document Number2017166437
DateNov 21, 2017
Instrument2017166437
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

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$5,139.00 (+8.46%) Homeowner's exemption$229,267 (+5.99%)$376,300 (+9.74%) Land $85,000 Building $291,300
2023$4,738.00 (+5.66%) Homeowner's exemption$216,317 (+3%)$342,900 (+10.76%) Land $75,000 Building $267,900
2022$4,484.00 Homeowner's exemption$210,017$309,600 Land $70,000 Building $239,600

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 X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

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; lenders make the official flood determination.

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