Osceola County property record for 3709 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2007 |
| Square Footage | 2,365 sqft Living Area |
| Lot Size | 9,801 sqft (0.225 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $415,000 (2026) |
| Tax Bill | $6,939.00 (2024) |
| Primary APN | 15-26-30-0700-0001-1760 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,365 sqft Living Area |
| Gross Area | 2,830 sqft Gross Area |
| 1st Floor | 2,365 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,801 sqft (0.225 acres) |
| Depth X Width | 120 ft x 80 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 280 sqft Pool |
| Deck Area | 440 sqft Deck |
| Porch Area | 45 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3709 CEDAR HAMMOCK TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8734 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 176 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1760 |
| Legal Lot Number | 176 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 15-26-30-0700-0001-1760
Assessment roll updated November 26, 2025 · Last verified May 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 | 3709 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage TD BANK |
| Sep 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 24, 2026 · Amount on Record |
| Deed Sale | Apr 24, 2026 · Amount on Record |
| Prior Sale | Sep 27, 2021 · Amount on Record |
| Deed Doc Number | 202654539 |
| Deed Book / Page | 6960 / 2437 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 24, 2026 |
| Property Address | 3709 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734 |
| Document Number | 0000054539 |
| Book / Page | 6960 / 2437 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 2026.54539 |
| Transaction Type | Transfer |
| Record Updated | May 04, 2026 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $293,405.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3709 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734 |
| Document Number | 0000054540, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 2026..54540 |
| Name | TD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 27, 2021 |
| Property Address | 3709 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734 |
| Document Number | 0060511742 |
| Book / Page | 6051 / 1742 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021149143 |
| Transaction Type | Transfer |
| Record Updated | Oct 07, 2021 |
| Title Company | SIMPLE TITLE, SIMPLY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3709 CEDAR HAMMOCK TRL, 3709, SAINT CLOUD, FL 34772-8734 |
| Name | Verified Name |
|---|---|
| Address | 3709 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8734 |
| Document Number | 60511745 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 6051/1745 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $7,114.00 (+2.52%) Homeowner's exemption | $339,616 (+5.99%) | $374,400 (+9.47%) Land $85,000 Building $289,400 |
| 2024 | $6,939.00 (+4.93%) | ||
| 2023 | $6,613.00 (+4.87%) Homeowner's exemption | $320,433 (+3%) | $342,000 (+9.93%) Land $75,000 Building $267,000 |
| 2022 | $6,306.00 Homeowner's exemption | $311,100 Land $70,000 Building $241,100 | $311,100 Land $70,000 Building $241,100 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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