Osceola County property record for 3815 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,257 sqft · built 2005 |
| Lot Size | 0.219 acres (9,540 sqft) |
| Owner | Individual Name on File |
| Last Sale | $159,000 (Apr 2009) |
| Tax Bill | $9,060 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 120590 |
| Primary APN | 120590 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,257 sqft Heated Area |
| Gross Area | 3,716 sqft |
| 1st Floor Area | 1,408 sqft |
| Upper Floors Area | 1,849 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,540 sqft (0.219 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 18 sqft |
| Patio Area | 10 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 120590 |
|---|---|
| Street Address | 3815 CEDAR HAMMOCK TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 226 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 226 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120590
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 | 4 TWIN POND DR, NORWALK, CT 06850-1432 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 03, 2009 · Amount on Record |
| Deed Sale | Apr 03, 2009 · Amount on Record |
| Prior Sale | Apr 03, 2009 |
| Deed Document Number | 2009053134 |
| Deed Book / Page | 3818 / 2148 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,060.00 (+6.16%) | $433,700 (+2.72%) Land $85,000 Building $348,700 | $433,700 (+2.72%) Land $85,000 Building $348,700 |
| 2024 | $8,534.00 (+8.71%) | $422,200 (+6.56%) Land $85,000 Building $337,200 | $422,200 (+6.56%) Land $85,000 Building $337,200 |
| 2023 | $7,850.00 (+10.13%) | $396,200 (+10.89%) Land $75,000 Building $321,200 | $396,200 (+10.89%) Land $75,000 Building $321,200 |
| 2022 | $7,128.00 | $357,300 Land $70,000 Building $287,300 | $357,300 Land $70,000 Building $287,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 41 individual NFIP policies nearby |
| 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 |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Fiber | 1,000 / 1,000 |
| Lumen Technologies | Fiber | 100 / 100 |
May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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