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3786 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3786 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,919 sqft · built 2006
Lot Size0.235 acres (10,280 sqft)
OwnerIndividual Name on File
Last Sale$282,000 (Jan 2020)
Tax Bill$5,154 (2025)
Deeds & MortgagesNov 2021 Mortgage
May 2017 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN120485

Property Details

APN / Parcel Number

Primary APN120485
Alternative APN
  • 152630070000011210

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,919 sqft Heated Area
Gross Area3,515 sqft
1st Floor Area1,281 sqft
Upper Floors Area1,638 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,280 sqft (0.235 acres)
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area312 sqft
PorchOpen Porch
Porch Area155 sqft
Deck Area719 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number120485
Street Address3786 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8731
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 121
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number121
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 120485

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 Address3786 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 09, 2021Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA
May 26, 2017Deed of Trust, Mortgage · FHA Mortgage
SUN WEST MORTGAGE COMPANY INC
Jan 02, 2020Warranty Deed, Transfer · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC
Jul 02, 2019Warranty Deed, Transfer
OPENDOOR TITLE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 02, 2020 · Amount on Record
Deed SaleJan 02, 2020 · Amount on Record
Prior SaleJul 02, 2019 · Amount on Record
Deed Document Number2020000401
Deed Book / Page5651 / 0303
Record UpdatedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3786 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Transaction TypeMortgage
Record UpdatedNov 26, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3786 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731

Mortgage

Document Number0060822366
DateNov 09, 2021
Book Page6082/2366
Instrument2021174048
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3786 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Transaction TypeMortgage
Record UpdatedJun 22, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051542649
DateMay 26, 2017
Book Page5154/2649
Instrument2017078035
Lender
NameSUN WEST MORTGAGE COMPANY INC
TypeMortgage Company
AddressCERRITOS, CA 90703
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term325 Months
DueJun 01, 2044

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 02, 2020
Property Address3786 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Document Number0056510303
Book / Page5651 / 0303
Map ReferenceMB 16 PG 34-41
Instrument DateDec 30, 2019
Instrument2020000401
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyOPENDOOR TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,974.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1 POST ST FL 11, 1, SAN FRANCISCO, CA 94104-5215

Transferred To (Grantee/Buyer)

NameVerified Name
Address3786 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731

Mortgage

Document Number0056510305
DateJan 02, 2020
Instrument5651/0305
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2050

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 02, 2019
Property Address3786 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Document Number0055501922
Book / Page005550 / 001922
Instrument DateJun 27, 2019
Instrument85138
Transaction TypeTransfer
Record UpdatedJul 15, 2019
Title CompanyOPENDOOR TITLE LLC

Transaction

AmountAmount Recorded
Tax$1,933.40
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
InvestorPossibly a Property Investor

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$5,154.00 (+8.46%) Homeowner's exemption$230,120 (+5.99%)$437,300 (+9.16%) Land $85,000 Building $352,300
2023$4,752.00 (+5.65%) Homeowner's exemption$217,122 (+3%)$400,600 (+9.66%) Land $75,000 Building $325,600
2022$4,498.00 Homeowner's exemption$210,799$365,300 Land $70,000 Building $295,300

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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