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3823 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3823 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,257 sqft · built 2006
Lot Size0.273 acres (11,892 sqft)
OwnerIndividual Name on File
Last Sale$235,000 (Jul 2016)
Tax Bill$6,182 (2025)
Deeds & MortgagesApr 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN120591

Property Details

APN / Parcel Number

Primary APN120591
Alternative APN
  • 152630070000012270

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,257 sqft Heated Area
Gross Area3,708 sqft
1st Floor Area1,408 sqft
Upper Floors Area1,849 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,892 sqft (0.273 acres)
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area288 sqft
PorchOpen Porch
Porch Area10 sqft
Deck Area1,002 sqft
Patio Area559 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number120591
Street Address3823 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8737
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 227
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number227
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2019
Census Tract43208

Owner

Source: Osceola County records · APN 120591

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
Mailing Address3823 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 06, 2016 · Amount on Record
Deed SaleJul 06, 2016 · Amount on Record
Prior SaleJan 27, 2016
Deed Document Number2016102445
Deed Book / Page4987 / 1675
Record UpdatedJun 08, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3823 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Transaction TypeMortgage
Record UpdatedMay 05, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3823 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737

Mortgage

Document Number0061992778
DateApr 25, 2022
Book Page6199/2778
Instrument2022064321
Lender
NameLAKEVIEW COMMUNITY CAPITAL LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

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$6,182.00 (+7.93%) Homeowner's exemption$287,554 (+5.99%)$452,400 (+9.12%) Land $85,000 Building $367,400
2023$5,728.00 (+5.18%) Homeowner's exemption$271,311 (+3%)$414,600 (+9.62%) Land $75,000 Building $339,600
2022$5,446.00 Homeowner's exemption$263,409$378,200 Land $70,000 Building $308,200

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

Wildfire

Wildfire RiskModerate
above 64% of the US · above 39% of Florida
Wildfire LikelihoodAbout 1 in 599 per year
ExposureDirect
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.

Internet Providers

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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumFiber1,000 / 1,000
Lumen TechnologiesFiber100 / 100

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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