3710 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3710 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,085 sqft · built 2007
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on File
Last Sale	$344,400 (May 2007)
Tax Bill	$4,121 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120459`

Property Details

APN / Parcel Number

Primary APN	`120459`
Alternative APN	`152630070000010950`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,085 sqft Heated Area
Gross Area	3,534 sqft
1st Floor Area	1,322 sqft
Upper Floors Area	1,763 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Patio Area	516 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	120459
Street Address	3710 CEDAR HAMMOCK TRL
City	SAINT CLOUD
State	FL
Zip	34772-8730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 95
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	95
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County assessment roll, APN 120459, as of 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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3710 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 21, 2007 · Amount on Record
Deed Sale	May 21, 2007 · Amount on Record
Deed Document Number	2007097334
Deed Book / Page	3484 / 1338
Record Updated	Jun 08, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3710 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730
Document Number	0051192171
Book / Page	005119 / 002171
Instrument Date	Mar 15, 2017
Transaction Type	Mortgage
Record Updated	Apr 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3710 CEDAR HAMMOCK TRL ST CLOUD FL 347728730, ST CLOUD, FL 34772-8730

Mortgage

Document Number	0051192171
Date	Mar 21, 2017
Book Page	005119/002171
Instrument	43019

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll as of July 1, 2025 · Last verified December 2025

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,121.00 (+9.28%) Homeowner's exemption	$172,379 (+5.99%)	$430,000 (+9.25%) Land $85,000 Building $345,000
2023	$3,771.00 (+10.75%) Homeowner's exemption	$162,642 (+8.32%)	$393,600 (+12.84%) Land $75,000 Building $318,600
2022	$3,405.00 Homeowner's exemption	$150,150	$348,800 Land $70,000 Building $278,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 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, 262 locations within half a mile, as of December 31, 2025 · 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, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of 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.