Osceola County property record for 3822 Cedar Hammock Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,642 sqft · built 2005 |
| Lot Size | 0.244 acres (10,628 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,900 (Jun 2015) |
| Tax Bill | $1,807 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jul 2022 Document + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 15-26-30-0700-0001-1300 |
| Primary APN | 15-26-30-0700-0001-1300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,642 sqft Living Area |
| Gross Area | 4,125 sqft |
| 1st Floor Area | 1,707 sqft |
| Upper Floors Area | 1,935 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,628 sqft (0.244 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 198 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 21 sqft |
| Deck Area | 418 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3822 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 130 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1300 |
| Legal Lot Number | 130 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 15-26-30-0700-0001-1300
Assessment roll updated November 26, 2025 · Last verified June 2026
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 | 3822 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage · VA Mortgage EMORTGAGE FUNDING LLC |
| Jul 20, 2022 | ACCOMODATION, ACCOMMODATION |
| Jun 02, 2022 | Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP |
| Jun 26, 2017 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 09, 2015 · Amount on Record |
| Deed Sale | Jun 09, 2015 · Amount on Record |
| Prior Sale | May 15, 2012 · Amount on Record |
| Deed Document Number | 201580510 |
| Deed Book / Page | 4790 / 958 |
| Last Transfer Date | Jul 20, 2022 |
| Transfer Doc | 0062541669 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3822 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3822 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Investor | Possibly a Property Investor |
| Document Number | 0068952744 |
|---|---|
| Date | Dec 18, 2025 |
| Book Page | 6895/2744 |
| Instrument | 2025154781 |
| Name | EMORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Jurisdiction | OSCEOLA FL |
|---|---|
| Recording Date | Jul 20, 2022 |
| Property Address | 3822 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Document Number | 0062541669 |
| Book / Page | 6254 / 1669 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Jul 20, 2022 |
| Instrument | 2022111485 |
| Record Updated | Aug 03, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 3822 CEDAR HAMMOCK TRL, 3822, SAINT CLOUD, FL 34772-8732 |
| Name | Verified Name |
|---|---|
| Address | 3822 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3822 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3822 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Document Number | 0062241766 |
|---|---|
| Date | Jun 02, 2022 |
| Book Page | 6224/1766 |
| Instrument | 2022085873 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3822 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Document Number | 0051761855 |
| Book / Page | 005176 / 001855 |
| Instrument Date | Jun 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 3822 CEDAR HAMMOCK TRL ST CLOUD FL 347728732, ST CLOUD, FL 34772-8732 |
| Document Number | 0051761855 |
|---|---|
| Date | Jul 10, 2017 |
| Book Page | 005176/001855 |
| Instrument | 99777 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 09, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| 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 | $1,807.00 (-72.92%) Homeowner's exemption Veteran's exemption | $278,948 (+5.99%) | $485,600 (+9.42%) Land $85,000 Building $400,600 |
| 2024 | $6,672.00 (+109.02%) | ||
| 2023 | $3,192.00 (+118.33%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $263,192 (+3%) | $443,800 (+10.51%) Land $75,000 Building $368,800 |
| 2022 | $1,462.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $255,527 | $401,600 Land $70,000 Building $331,600 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
| Wildfire Risk | Moderate above 63% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Lumen Technologies Fiber | 100 / 100 |
May also be available: Verizon.
Based on FCC filings for 262 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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