Osceola County property record for 3834 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,365 sqft · built 2005 |
| Lot Size | 0.282 acres (12,284 sqft) |
| Owner | Individual Name on File |
| Last Sale | $297,900 (Oct 2020) |
| Tax Bill | $5,406 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 120497 |
| Primary APN | 120497 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,365 sqft Heated Area |
| Gross Area | 2,990 sqft |
| 1st Floor Area | 2,365 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,284 sqft (0.282 acres) |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 205 sqft |
| Patio Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 120497 |
|---|---|
| Street Address | 3834 CEDAR HAMMOCK TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 133 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 133 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120497
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 | 3834 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 07, 2020 | Warranty Deed, Transfer · VA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP |
| Oct 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 07, 2020 · Amount on Record |
| Deed Sale | Oct 07, 2020 · Amount on Record |
| Prior Sale | Oct 19, 2018 · Amount on Record |
| Deed Document Number | 0005808906 |
| Deed Book / Page | 5808 / 906 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3834 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Transaction Type | Mortgage |
| Record Updated | Sep 08, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3834 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Document Number | 0062742269 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 6274/2269 |
| Instrument | 2022130121 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 07, 2020 |
| Property Address | 3834 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Document Number | 0058080906 |
| Book / Page | 5808 / 906 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Oct 07, 2020 |
| Instrument | 2020134801 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CAPITAL LAND SETTLEMENTS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,085.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9320 NATURES TRL, 9320, BILOXI, MS 39532-9585 |
| Name | Verified Name |
|---|---|
| Address | 3834 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Document Number | 0005808908 |
|---|---|
| Date | Oct 07, 2020 |
| Instrument | 5808/908 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 19, 2018 |
| Property Address | 3834 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Document Number | 0054201353 |
| Book / Page | 5420 / 1353 |
| Map Reference | MB16 PG34-41 |
| Instrument Date | Oct 19, 2018 |
| Instrument | 2018157190 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,764.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4450 URBANA DR # 2308, 4450, ORLANDO, FL 32837-3612 |
| Name | Verified Name |
|---|---|
| Address | 3834 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732 |
| Document Number | 2018157191 |
|---|---|
| Date | Oct 19, 2018 |
| Instrument | 2018157191 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
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 | $5,406.00 (+8.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $249,169 (+5.99%) | $359,200 (+9.65%) Land $85,000 Building $274,200 |
| 2023 | $4,986.00 (+5.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $235,095 (+3%) | $327,600 (+10.68%) Land $75,000 Building $252,600 |
| 2022 | $4,722.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $228,248 | $296,000 Land $70,000 Building $226,000 |
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 A |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| 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 35 of 41 on primary residences |
| 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 40% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 485 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.
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