1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Cedar Hammock Trl

3830 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3830 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 3,642 sqft · built 2005
Lot Size0.271 acres (11,804 sqft)
OwnerIndividual Name on File
Last Sale$425,000 (Jun 2021)
Tax Bill$1,807 (2025)
Deeds & MortgagesJan 2024 Mortgage
Sep 2022 Mortgage
+ 1 more
Flood ZoneZone A (high risk)
APN15-26-30-0700-0001-1320

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-1320
Alternative APNs
  • 263015070000011320
  • 120496

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,642 sqft Living Area
Gross Area4,336 sqft
1st Floor Area1,707 sqft
Upper Floors Area1,935 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,804 sqft (0.271 acres)
Garage TypeAttached
Garage Area682 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area348 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address3830 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8732
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 132
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1320
Legal Lot Number132
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-1320

Assessment roll updated November 26, 2025 · Last verified April 2026

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 Address3830 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 19, 2024Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Sep 14, 2022Deed of Trust, Mortgage · VA Mortgage
NEW DAY FINANCIAL LLC
Jun 17, 2021Warranty Deed, Transfer · VA Mortgage
CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 17, 2021 · Amount on Record
Deed SaleJun 17, 2021 · Amount on Record
Prior SaleDec 07, 2005 · Amount on Record
Deed Document Number202194273
Deed Book / Page5982 / 2553
Prior Transfer DateFeb 20, 2007
Prior Transfer Doc0034281340
Record UpdatedJun 08, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3830 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Transaction TypeMortgage
Record UpdatedJan 31, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3830 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732

Mortgage

Document Number0065361728
DateJan 19, 2024
Book Page6536/1728
Instrument2024007957
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term347 Months
DueDec 01, 2052

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3830 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Transaction TypeMortgage
Record UpdatedSep 28, 2022
Title CompanyKNIGHT BARRY TITLE SLN INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3830 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732

Mortgage

Document Number0062850975
DateSep 14, 2022
Book Page6285/975
Instrument2022139390
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressFULTON, MD 20759
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2052

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 17, 2021
Property Address3830 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Document Number0059822553
Book / Page5982 / 2553
Map ReferenceMB 16 PG 34
Instrument DateJun 15, 2021
Instrument2021094273
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyKNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,975.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address30 SONAR DR, 30, WOBURN, MA 01801-5704

Transferred To (Grantee/Buyer)

NameVerified Name
Address3830 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732

Mortgage

Document Number0059822559
DateJun 17, 2021
Instrument5982/2559
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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 Homeowner's exemption Veteran's exemption$447,801 (+5.99%)$498,100 (+9.38%) Land $85,000 Building $413,100
2024$1,807.00 (-78.39%)
2023$8,361.00 (+4.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$422,506 (+3%)$455,400 (+11.02%) Land $75,000 Building $380,400
2022$8,001.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$410,200 Land $70,000 Building $340,200$410,200 Land $70,000 Building $340,200

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 A
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationNot determined for this zone

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; lenders make the official flood determination.

Nearby Properties on Cedar Hammock Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures