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3794 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3794 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,159 sqft · built 2006
Lot Size0.224 acres (9,757 sqft)
Owner2 Company Names on Record
Last Sale$230,000 (Nov 2018)
Tax Bill$5,065 (2025)
Deeds & MortgagesNov 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-1230

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-1230
Alternative APNs
  • 263015070000011230
  • 120487

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,159 sqft Living Area
Gross Area2,830 sqft
1st Floor Area2,159 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,757 sqft (0.224 acres)
Lot Dimensions120 ft deep x 67 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area230 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3794 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8731
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 123
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1230
Legal Lot Number123
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record2 Company Names on Record
Mailing Address3794 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 14, 2018 · Amount on Record
Deed SaleNov 14, 2018 · Amount on Record
Prior SaleDec 8, 2014 · Amount on Record
Deed Document Number2018168082
Deed Book / Page5432 / 2916
Last Transfer DateJun 12, 2025
Transfer Doc0068051431
Record UpdatedJun 8, 2026

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 14, 2018
Property Address3794 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Document Number0054322916
Book / Page005432 / 002916
Instrument DateNov 9, 2018
Instrument168082
Transaction TypeTransfer
Record UpdatedDec 4, 2018
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,610.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3794 CEDAR HAMMOCK TRL ST CLOUD FL 347728731, ST CLOUD, FL 34772-8731

Mortgage

Document Number54322917
DateNov 14, 2018
Book Page005432/002917
Instrument168083
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 13, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,065.00 (+2.26%)$225,110 (+5.99%)$345,200 (+9.69%) Land $85,000 Building $260,200
2024$4,953.00 (+6.13%)
2023$4,667.00 (+5.71%) Homeowner's exemption$212,395 (+3%)$314,700 (+10.62%) Land $75,000 Building $239,700
2022$4,415.00 Homeowner's exemption$206,209$284,500 Land $70,000 Building $214,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 50% of the US · lower than 79% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Fiber · Cable in parts of the area		1,000 / 1,000
CenturyLink
Fiber		100 / 100

May also be available: Verizon.

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