Osceola County property record for 3731 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2007 |
| Square Footage | 3,642 sqft Heated Area |
| Lot Size | 10,411 sqft (0.239 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $309,000 (2018) |
| Tax Bill | $11,276.00 (2025) |
| Primary APN | 120546 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,642 sqft Heated Area |
| Gross Area | 4,585 sqft Gross Area |
| 1st Floor | 1,707 sqft 1st Floor |
| Upper Floors | 1,935 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,411 sqft (0.239 acres) |
| Depth X Width | 130 ft x 80 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 682 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Pool Area | 36 sqft Pool |
| Fence | Fence |
| Deck Area | 1,012 sqft Deck |
| Porch | Finished/Screened Porch |
| Porch Area | 261 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 120546 |
|---|---|
| Street Address | 3731 CEDAR HAMMOCK TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8735 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 182 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 182 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120546
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 | Individual Name on File |
|---|---|
| Mailing Address | 3731 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Sep 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOME 1ST LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 13, 2018 · Amount on Record |
| Deed Sale | Sep 13, 2018 · Amount on Record |
| Prior Sale | Feb 10, 2016 · Amount on Record |
| Deed Doc Number | 2018137765 |
| Deed Book / Page | 5400 / 1435 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3731 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057280584 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 5728/584 |
| Instrument | 2020068732 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 13, 2018 |
| Property Address | 3731 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Document Number | 0054001435 |
| Book / Page | 5400 / 1435 |
| Map Reference | MB16 PG34-41 |
| Instrument Date | Sep 06, 2018 |
| Instrument | 2018137765 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIDELITY NATL TITLE OF FLORI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,163.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3731 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Document Number | 2018137766 |
|---|---|
| Date | Sep 13, 2018 |
| Instrument | 2018137766 |
| Name | HOME 1ST LENDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
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 | $11,276.00 (+15.65%) | $554,600 (+9.45%) Land $85,000 Building $469,600 | $554,600 (+9.45%) Land $85,000 Building $469,600 |
| 2023 | $9,750.00 (+9.83%) | $506,700 (+9.82%) Land $75,000 Building $431,700 | $506,700 (+9.82%) Land $75,000 Building $431,700 |
| 2022 | $8,877.00 | $461,400 Land $70,000 Building $391,400 | $461,400 Land $70,000 Building $391,400 |
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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