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3766 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3766 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 3,257 sqft · built 2006
Lot Size0.247 acres (10,759 sqft)
Owner2 Individual Names on File
Last Sale$220,000 (Jun 2008)
Tax Bill$4,544 (2025)
Deeds & MortgagesOct 2025 Second Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-1160

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-1160
Alternative APNs
  • 263015070000011160
  • 120480

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,257 sqft Living Area
Gross Area3,708 sqft
1st Floor Area1,408 sqft
Upper Floors Area1,849 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,759 sqft (0.247 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area10 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address3766 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8731
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 116
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1160
Legal Lot Number116
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-1160

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3766 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 16, 2008 · Amount on Record
Deed SaleJun 16, 2008 · Amount on Record
Prior SaleFeb 28, 2008
Deed Document Number2008100537
Deed Book / Page3700 / 1013
Last Transfer DateJul 02, 2013
Transfer Doc0044742233
Record UpdatedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3766 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Transaction TypeMortgage
Record UpdatedNov 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3766 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731

Mortgage

Document Number0068730569
DateOct 30, 2025
Book Page6873/569
Instrument2025134658
Lender
NameADVANTAGE FINANCIAL FCU
TypeCredit Union
AddressWASHINGTON, DC 20091
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term180 Months
DueOct 30, 2040

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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$4,544.00 (+2.16%) Homeowner's exemption$196,023 (+5.99%)$428,400 (+9.51%) Land $85,000 Building $343,400
2024$4,448.00 (+6.59%)
2023$4,173.00 (+6.05%) Homeowner's exemption$184,951 (+3%)$391,200 (+10.85%) Land $75,000 Building $316,200
2022$3,935.00 Homeowner's exemption$179,565$352,900 Land $70,000 Building $282,900

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.

Mobile Coverage

5G and 4G LTE

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