Osceola County property record for 3810 Cedar Hammock Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,919 sqft · built 2006 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Owner on Record |
| Last Sale | $110,000 (Jul 2011) |
| Tax Bill | $4,738 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 120491 |
| Primary APN | 120491 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,919 sqft Heated Area |
| Gross Area | 3,625 sqft |
| 1st Floor Area | 1,281 sqft |
| Upper Floors Area | 1,638 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 | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Finished |
| Garage Area | 651 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 55 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 120491 |
|---|---|
| Street Address | 3810 CEDAR HAMMOCK TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 127 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 127 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner on Record |
|---|---|
| Mailing Address | 3810 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2011 · Amount on Record |
| Deed Sale | Jul 21, 2011 · Amount on Record |
| Prior Sale | Nov 18, 2010 |
| Deed Document Number | 2011098961 |
| Deed Book / Page | 4155 / 1249 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,738.00 (+8.74%) Homeowner's exemption | $206,857 (+5.99%) | $405,200 (+9.54%) Land $85,000 Building $320,200 |
| 2023 | $4,357.00 (+5.91%) Homeowner's exemption | $195,173 (+3%) | $369,900 (+10.81%) Land $75,000 Building $294,900 |
| 2022 | $4,114.00 Homeowner's exemption | $189,489 | $333,800 Land $70,000 Building $263,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025
| Provider | Max 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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