Osceola County property record for 3743 Cedar Hammock Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,586 sqft · built 2006 |
| Lot Size | 0.239 acres (10,411 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Aug 2011) |
| Tax Bill | $1,807 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Jan 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 120549 |
| Primary APN | 120549 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,586 sqft Heated Area |
| Gross Area | 3,180 sqft |
| 1st Floor Area | 1,074 sqft |
| Upper Floors Area | 1,512 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,411 sqft (0.239 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| Garage Type | Finished |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 110 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 120549 |
|---|---|
| Street Address | 3743 CEDAR HAMMOCK TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 185 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 185 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120549
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 | 3743 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2022 | Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 13, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 09, 2011 · Amount on Record |
| Deed Sale | Aug 09, 2011 · Amount on Record |
| Prior Sale | Jun 02, 2006 · Amount on Record |
| Deed Document Number | 2011108811 |
| Deed Book / Page | 4161 / 2870 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3743 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3743 CEDAR HAOCK TRAIL, SAINT CLOUD, FL 34772 |
| Document Number | 0062531091 |
|---|---|
| Date | Jul 19, 2022 |
| Book Page | 6253/1091 |
| Instrument | 2022110463 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3743 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735 |
| Document Number | 0052731646 |
| Book / Page | 005273 / 001646 |
| Instrument Date | Jan 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3743 CEDAR HAMMOCK TRL ST CLOUD FL 347728735, ST CLOUD, FL 34772-8735 |
| Document Number | 0052731646 |
|---|---|
| Date | Jan 23, 2018 |
| Book Page | 005273/001646 |
| Instrument | 11971 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 22, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $138,122 (+5.99%) | $366,200 (+9.64%) Land $85,000 Building $281,200 |
| 2023 | $1,605.00 (+9.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $130,321 (+3%) | $334,000 (+10.67%) Land $75,000 Building $259,000 |
| 2022 | $1,462.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $126,526 | $301,800 Land $70,000 Building $231,800 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| 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 Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection 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.
Based on FCC filings for 262 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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