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3771 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3771 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,642 sqft · built 2006
Lot Size0.257 acres (11,238 sqft)
OwnerIndividual Name on File
Last Sale$325,000 (Aug 2020)
Tax Bill$8,675 (2025)
Deeds & MortgagesNov 2022 Mortgage
Aug 2020 Sale & Construction Loan
Flood ZoneZone X (minimal risk)
APN120556

Property Details

APN / Parcel Number

Primary APN120556
Alternative APN
  • 152630070000011920

Interior

Bedrooms5 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,642 sqft Heated Area
Gross Area4,485 sqft
1st Floor Area1,707 sqft
Upper Floors Area1,935 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,238 sqft (0.257 acres)
Garage TypeFinished
Garage Area682 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area161 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number120556
Street Address3771 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8735
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 192
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number192
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2023
Census Tract43208

Owner

Source: Osceola County records · APN 120556

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
Co-ownerVerified Secondary Owner
Mailing Address3771 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 02, 2022Deed of Trust, Mortgage · FHA Mortgage
ROCKET MORTGAGE LLC
Aug 26, 2020Warranty Deed, Construction Loan · Construction Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 26, 2020 · Amount on Record
Deed SaleAug 26, 2020 · Amount on Record
Prior SaleMar 29, 2006 · Amount on Record
Deed Document Number2020113207
Deed Book / Page5781 / 2864
Record UpdatedJun 08, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3771 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735
Transaction TypeMortgage
Record UpdatedNov 22, 2022
Title CompanyFIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
AddressBLACKWOOD HAMMOCK TRL, SAINT CLOUD, FL 34772

Mortgage

Document Number0063091318
DateNov 02, 2022
Book Page6309/1318
Instrument2022160887
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term334 Months
DueSep 01, 2050

August 2020: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 26, 2020
Property Address3771 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8735
Document Number0057812864
Book / Page5781 / 2864
Map ReferenceMB 16 PG 34
Instrument DateAug 18, 2020
Instrument2020113207
Transaction TypeConstruction Loan
Record UpdatedFeb 08, 2022
Title CompanyALL FL PROFESSIONAL TTL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address358 KINLEY DR, 358, COGAN STATION, PA 17728-8145

Transferred To (Grantee/Buyer)

NameVerified Name
Address2460 GRAND CENTRAL PKWY APT 2, 2, ORLANDO, FL 32839-5052

Mortgage

Document Number0057812866
DateAug 26, 2020
Instrument5781/2866
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

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$8,675.00 (+6.21%) Homeowner's exemption$343,957 (+5.99%)$493,900 (+9.39%) Land $85,000 Building $408,900
2023$8,168.00 (+4.09%) Homeowner's exemption$324,529 (+3%)$451,500 (+11.02%) Land $75,000 Building $376,500
2022$7,847.00 Homeowner's exemption$315,077$406,700 Land $70,000 Building $336,700

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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