3704 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3704 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,746 sqft · built 2007
Lot Size	0.276 acres (12,022 sqft)
Owner	Individual Name on File
Last Sale	$269,000 (Oct 2007)
Tax Bill	$7,470 (2025)
Deeds & Mortgages	Aug 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0700-0001-0920`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0700-0001-0920`
Alternative APNs	`263015070000010920` `120456`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,746 sqft Living Area
Gross Area	3,350 sqft
1st Floor Area	2,746 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,022 sqft (0.276 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	163 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3704 CEDAR HAMMOCK TRL
City	SAINT CLOUD
State	FL
Zip	34772-8730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 92
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	920
Legal Lot Number	92
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-0920

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

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
Mailing Address	3704 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 10, 2007 · Amount on Record
Deed Sale	Oct 10, 2007 · Amount on Record
Deed Document Number	2007183481
Deed Book / Page	3575 / 2827
Last Transfer Date	Aug 06, 2020
Transfer Doc	0057692562
Record Updated	Jun 08, 2026

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 06, 2020
Property Address	3704 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730
Document Number	0057692562
Book / Page	005769 / 002562
Instrument Date	Jul 30, 2020
Instrument	103475
Transaction Type	Transfer
Record Updated	Sep 03, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3704 CEDAR HAMMOCK TRL ST CLOUD FL 347728730, ST CLOUD, FL 34772-8730

Tax Assessment & Valuation

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

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	$7,470.00 (+2.55%) Homeowner's exemption	$359,485 (+5.99%)	$399,800 (+9.65%) Land $85,000 Building $314,800
2024	$7,284.00 (+4.81%)
2023	$6,950.00 Homeowner's exemption	$339,179	$364,600 Land $75,000 Building $289,600

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 · sampled at 262 locations within half a mile · Last verified October 2026

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

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.