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3754 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3754 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details6 bd · 4 ba · 3,642 sqft · built 2007
Lot Size0.244 acres (10,672 sqft)
OwnerIndividual Name on File
Last Sale$600,000 (Jun 2022)
Tax Bill$9,832 (2025)
Deeds & MortgagesJun 2022 Mortgage
Dec 2020 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN120478

Property Details

APN / Parcel Number

Primary APN120478
Alternative APN
  • 152630070000011140

Interior

Bedrooms6 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,642 sqft Heated Area
Gross Area4,225 sqft
1st Floor Area1,707 sqft
Upper Floors Area1,935 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,672 sqft (0.244 acres)
Garage TypeFinished
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area240 sqft
PorchOpen Porch
Porch Area121 sqft
Deck Area300 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number120478
Street Address3754 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8731
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 114
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number114
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 120478

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 RecordIndividual Name on File
Mailing Address3754 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 10, 2022Deed of Trust, Mortgage · Conventional Mortgage
LAKE MICHIGAN CU
Dec 07, 2020Warranty Deed, Transfer · Conventional Mortgage
AMERIFIRST FINANCIAL CORP
May 01, 2020Warranty Deed, Transfer
F&L INVESTMENT ENT LLC
Jan 29, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 08, 2022 · Amount on Record
Deed SaleJun 08, 2022 · Amount on Record
Prior SaleMay 01, 2020 · Amount on Record
Deed Document Number0006231313
Deed Book / Page5846 / 1817
Prior Transfer DateDec 07, 2020
Prior Transfer Doc2020166073
Record UpdatedJun 08, 2026

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3754 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Transaction TypeMortgage
Record UpdatedJun 09, 2026
Title CompanyPROMINENCE TITLE AND ESCROW LLC, PROMINENCE TTL & ESCROW LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0062310314
DateJun 10, 2022
Book Page6231/314
Instrument2022091530
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
AddressGRAND RAPIDS, MI 49501
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2052

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 07, 2020
Property Address3754 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Document Number0058461817
Book / Page5846 / 1817
Map ReferenceMB 16 PG 34
Instrument DateDec 04, 2020
Instrument2020166073
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,961.00
Amount AccuracyRounded by County
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1302 E ROBINSON ST, 1302, ORLANDO, FL 32801-2178

Transferred To (Grantee/Buyer)

NameVerified Name
Address3754 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731

Mortgage

Document Number0058461819
DateDec 07, 2020
Instrument5846/1819
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 01, 2020
Property Address3754 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Document Number0057170023
Book / Page005717 / 000023
Instrument DateApr 30, 2020
Instrument59619
Transaction TypeTransfer
Record UpdatedJun 25, 2020
Title CompanyARK TITLE GROUP LLC, ARK TITLE GRP LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1302 E ROBINSON ST ORLANDO FL 328012178, ORLANDO, FL 32801-2178

Mortgage

Document Number57170025
DateMay 01, 2020
Book Page005717/000025
Instrument59620
Lender
NameF&L INVESTMENT ENT LLC
AddressPO BOX 770668, ORLANDO, FL 32877-0668
Agreement
AmountAmount Recorded

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJan 29, 2018
Property Address3754 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Document Number0052760222
Book / Page005276 / 000222
Instrument DateJan 27, 2018
Instrument14652
Transaction TypeTransfer
Record UpdatedFeb 21, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3754 CEDAR HAMMOCK TRL ST CLOUD FL 347728731, ST CLOUD, FL 34772-8731

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$9,832.00 (+6.95%) Homeowner's exemption$491,461 (+5.99%)$505,900 (+9.1%) Land $85,000 Building $420,900
2023$9,193.00 (+12.6%) Homeowner's exemption$463,700 (+10.3%) Land $75,000 Building $388,700$463,700 (+10.3%) Land $75,000 Building $388,700
2022$8,164.00$420,400 Land $70,000 Building $350,400$420,400 Land $70,000 Building $350,400

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

Wildfire

Wildfire RiskModerate
above 50% of the US · above 20% of Florida
Wildfire LikelihoodAbout 1 in 1,190 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumFiber1,000 / 1,000
Lumen TechnologiesFiber100 / 100

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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