3814 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3814 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,919 sqft · built 2005
Lot Size	0.234 acres (10,193 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Nov 2014)
Tax Bill	$5,157 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0700-0001-1280`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0700-0001-1280`
Alternative APNs	`263015070000011280` `120492`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,919 sqft Living Area
Gross Area	3,770 sqft
1st Floor Area	1,281 sqft
Upper Floors Area	1,638 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,193 sqft (0.234 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open/Unfinished Porch
Porch Area	410 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3814 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 128
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1280
Legal Lot Number	128
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records, as of May 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3814 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 5, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jun 25, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Oct 19, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2014 · Amount on Record
Deed Sale	Nov 12, 2014 · Amount on Record
Prior Sale	Dec 10, 2009 · Amount on Record
Deed Document Number	2014167394
Deed Book / Page	4694 / 1578
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2026
Property Address	3814 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Document Number	0000054607
Book / Page	6960 / 2604
Instrument Date	Apr 20, 2026
Instrument	202654607
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET MORTGAGE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Investor	Possibly a Property Investor

Mortgage

Document Number	0000054607,
Date	Apr 24, 2026
Book Page	6960/2604
Instrument	202654607

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3814 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Investor	Possibly a Property Investor

Mortgage

Document Number	0064012529
Date	May 5, 2023
Book Page	6401/2529
Instrument	2023056730

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3814 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Document Number	0057461547
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3814 CEDAR HAMMOCK TRL ST CLOUD FL 347728732, ST CLOUD, FL 34772-8732

Mortgage

Document Number	0057461547
Date	Jun 30, 2020
Book Page	005746/001547
Instrument	84258

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3814 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Document Number	0054220642
Instrument Date	Oct 19, 2018
Transaction Type	Mortgage
Record Updated	Nov 13, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3814 CEDAR HAMMOCK TRL ST CLOUD FL 347728732, ST CLOUD, FL 34772-8732

Mortgage

Document Number	0054220642
Date	Oct 24, 2018
Book Page	005422/000642
Instrument	158856

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,157.00 (+2.32%) Homeowner's exemption Veteran's exemption	$235,292 (+5.99%)	$402,500 (+9.43%) Land $85,000 Building $317,500
2024	$5,040.00 (+6.11%)
2023	$4,750.00 (+5.72%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$222,001 (+3%)	$367,800 (+10.72%) Land $75,000 Building $292,800
2022	$4,493.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$215,535	$332,200 Land $70,000 Building $262,200

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 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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