Osceola County property record for 3735 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2007 |
| Square Footage | 3,367 sqft Heated Area |
| Lot Size | 10,411 sqft (0.239 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $379,000 (2020) |
| Tax Bill | $1,807.00 (2025) |
| Primary APN | 120547 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,367 sqft Heated Area |
| Gross Area | 4,218 sqft Gross Area |
| 1st Floor | 1,565 sqft 1st Floor |
| Upper Floors | 1,802 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 | 651 sqft Garage |
| Pool Area | 540 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 708 sqft Deck |
| Patio Area | 875 sqft Patio |
| Porch | Open Porch |
| Porch Area | 200 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 120547 |
|---|---|
| Street Address | 3735 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 183 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 183 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120547
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 | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3735 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 06, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage GUARANTEED RATE |
| Apr 18, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage PEOPLES BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 07, 2020 · Amount on Record |
| Deed Sale | Apr 07, 2020 · Amount on Record |
| Prior Sale | Apr 18, 2017 · Amount on Record |
| Deed Doc Number | 2020047492 |
| Deed Book / Page | 5704 / 1499 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3735 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Instrument Date | Apr 06, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2020 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3735 CEDAR HAMMOCK TRL ST CLOUD FL 347728735, ST CLOUD, FL 34772-8735 |
| Document Number | 57041502 |
|---|---|
| Date | Apr 07, 2020 |
| Book Page | 005704/001502 |
| Instrument | 47493 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 06, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 18, 2017 |
| Property Address | 3735 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Document Number | 0051341138 |
| Book / Page | 5134 / 1138 |
| Map Reference | MB16 PG34 |
| Instrument Date | Apr 14, 2017 |
| Instrument | 2017057916 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ORLANDO TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,016.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 204 MONTEGO ST, 204, KISSIMMEE, FL 34743-5937 |
| Name | Verified Name |
|---|---|
| Address | 3735 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Document Number | 0051341140 |
|---|---|
| Date | Apr 18, 2017 |
| Instrument | 5134/1140 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2047 |
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 | $1,807.00 (+12.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $368,132 (+5.99%) | $519,900 (+9.38%) Land $85,000 Building $434,900 |
| 2023 | $1,605.00 (+9.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $347,338 (+3%) | $475,300 (+9.54%) Land $75,000 Building $400,300 |
| 2022 | $1,462.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $337,222 | $433,900 Land $70,000 Building $363,900 |
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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