Osceola County property record for 3790 Cedar Hammock Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,367 sqft · built 2006 |
| Lot Size | 0.235 acres (10,280 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $375,000 (May 2006) |
| Tax Bill | $4,628 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 120486 |
| Primary APN | 120486 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,367 sqft Heated Area |
| Gross Area | 4,152 sqft |
| 1st Floor Area | 1,565 sqft |
| Upper Floors Area | 1,802 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 | 10,280 sqft (0.235 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 364 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 344 sqft |
| Deck Area | 736 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 120486 |
|---|---|
| Street Address | 3790 CEDAR HAMMOCK TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 122 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 122 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120486
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 | 2 Owner Names on File |
|---|---|
| Mailing Address | 3790 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 21, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 08, 2006 · Amount on Record |
| Deed Sale | May 08, 2006 · Amount on Record |
| Deed Document Number | 2006123872 |
| Deed Book / Page | 3151 / 0645 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3790 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0058582629 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 5858/2629 |
| Instrument | 2020175502 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3790 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731 |
| Document Number | 0056122522 |
| Instrument Date | Oct 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3790 CEDAR HAMMOCK TRL ST CLOUD FL 347728731, ST CLOUD, FL 34772-8731 |
| Document Number | 0056122522 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 005612/002522 |
| Instrument | 139037 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 27, 2049 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,628.00 (+8.84%) Homeowner's exemption | $200,696 (+5.99%) | $471,300 (+9.12%) Land $85,000 Building $386,300 |
| 2023 | $4,252.00 (+5.98%) Homeowner's exemption | $189,360 (+3%) | $431,900 (+10.23%) Land $75,000 Building $356,900 |
| 2022 | $4,012.00 Homeowner's exemption | $183,845 | $391,800 Land $70,000 Building $321,800 |
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 | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct 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.
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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