3798 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3798 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2006
Square Footage	2,562 sqft Heated Area
Lot Size	9,583 sqft (0.219 acres)
Occupancy	Owner Occupied
Last Sale	$439,000 (2022)
Tax Bill	$6,909.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`120488`
Alternative APN	`152630070000011240`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	2,562 sqft Heated Area
Gross Area	3,371 sqft Gross Area
1st Floor	1,050 sqft 1st Floor
Upper Floors	1,512 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,583 sqft (0.219 acres)
Depth X Width	120 ft x 80 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	704 sqft Garage
Fence	Fence
Porch	Open Porch
Porch Area	105 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	120488
Street Address	3798 CEDAR HAMMOCK TRL
City	SAINT CLOUD
State	FL
Zip	34772-8731
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 124
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	124
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records · APN 120488

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	Individual Name on File
Mailing Address	3798 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Prior Sale	Oct 26, 2012
Deed Doc Number	2022007901
Deed Book / Page	6129 / 1888
Record Refreshed	Jun 08, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 14, 2022
Property Address	3798 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731
Document Number	0061291888
Book / Page	6129 / 1888
Map Reference	MB 16 PG 34-41
Instrument Date	Jan 10, 2022
Instrument	2022007901
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,073.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	URB SANTA RITA CALLE 12 B 27 VEGA ALTA, URB SANTA, PR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3798 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8731

Mortgage

Document Number	0061291889
Date	Jan 14, 2022
Instrument	6129/1889

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$6,909.00 (-11.85%) Homeowner's exemption Disabled Person's exemption	$333,150 (-3.74%)	$378,900 (+9.48%) Land $85,000 Building $293,900
2023	$7,838.00 (+171.96%)	$346,100 (+160.79%) Land $75,000 Building $271,100	$346,100 (+11.43%) Land $75,000 Building $271,100
2022	$2,882.00 Homeowner's exemption Senior Citizen's exemption	$132,712	$310,600 Land $70,000 Building $240,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 39% of Florida
Wildfire Likelihood	About 1 in 599 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.