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3811 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3811 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,642 sqft · built 2005
Lot Size0.219 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$318,000 (Jun 2018)
Tax Bill$1,807 (2025)
Deeds & MortgagesAug 2020 Mortgage
Jun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN120589

Property Details

APN / Parcel Number

Primary APN120589
Alternative APN
  • 152630070000012250

Interior

Bedrooms5 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,642 sqft Heated Area
Gross Area4,287 sqft
1st Floor Area1,707 sqft
Upper Floors Area1,935 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)
Lot Dimensions120 ft deep x 80 ft wide
Garage TypeFinished
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area490 sqft
PorchPorch
Porch Area183 sqft
Deck Area713 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number120589
Street Address3811 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8737
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 225
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number225
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2019
Census Tract43208

Owner

Source: Osceola County records · APN 120589

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 Address3811 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 06, 2020Deed of Trust, Mortgage · VA Mortgage
GUARANTEED RATE INC
Jun 13, 2018Warranty Deed, Transfer · VA Mortgage
ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 13, 2018 · Amount on Record
Deed SaleJun 13, 2018 · Amount on Record
Prior SaleJun 19, 2015 · Amount on Record
Deed Document Number2018091142
Deed Book / Page5349 / 1436
Record UpdatedJun 08, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3811 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Transaction TypeMortgage
Record UpdatedAug 01, 2022
Title CompanyRAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057692233
DateAug 06, 2020
Book Page5769/2233
Instrument2020103403
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2050

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 13, 2018
Property Address3811 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Document Number0053491436
Book / Page5349 / 1436
Map ReferenceMB16 PG34-41
Instrument DateJun 05, 2018
Instrument2018091142
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyORLANDO TITLE SVCS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,226.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address315 HARTS OAK PL, 315, SEFFNER, FL 33584-4769

Transferred To (Grantee/Buyer)

NameVerified Name
Address3811 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737

Mortgage

Document Number2018091143
DateJun 13, 2018
Instrument2018091143
Lender
NameATLANTIC COAST MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2048

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$1,807.00 (+12.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$335,097 (+5.99%)$498,300 (+8.8%) Land $85,000 Building $413,300
2023$1,605.00 (-73.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$316,169 (+3%)$458,000 (+10.02%) Land $75,000 Building $383,000
2022$6,141.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$306,961$416,300 Land $70,000 Building $346,300

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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