Osceola County property record for 3712 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,085 sqft · built 2007 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | Owner Name on File |
| Last Sale | $255,000 (Nov 2007) |
| Tax Bill | $7,473 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 120460 |
| Primary APN | 120460 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,085 sqft Heated Area |
| Gross Area | 3,536 sqft |
| 1st Floor Area | 1,322 sqft |
| Upper Floors Area | 1,763 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| 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 |
| Porch | Open Porch |
| Porch Area | 10 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 120460 |
|---|---|
| Street Address | 3712 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 96 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 96 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120460
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 Record | Owner Name on File |
|---|---|
| Mailing Address | 3712 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8730 |
| Occupancy | Owner Occupied |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 06, 2007 · Amount on Record |
| Deed Sale | Nov 06, 2007 · Amount on Record |
| Deed Document Number | 2007199696 |
| Deed Book / Page | 3591 / 0489 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $7,473.00 (+4.74%) Homeowner's exemption | $158,894 (+5.99%) | $414,100 (+9.64%) Land $85,000 Building $329,100 |
| 2023 | $7,135.00 (+114.78%) Homeowner's exemption | $149,919 (+3%) | $377,700 (+10.73%) Land $75,000 Building $302,700 |
| 2022 | $3,322.00 Homeowner's exemption | $145,553 | $341,100 Land $70,000 Building $271,100 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 41 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 41 in force 35 of 41 on primary residences |
| Nearby Flood Claims | 2 (2015–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2020, other causes |
| Wildfire Risk | Moderate above 46% of the US · above 17% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,031 per year |
| 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.
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