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3846 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3846 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 3,642 sqft · built 2005
Lot Size0.261 acres (11,369 sqft)
OwnerIndividual Name on File
Last Sale$125,000 (May 2011)
Tax Bill$5,125 (2025)
Deeds & MortgagesJun 2026 Mortgage
Dec 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-1360

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-1360
Alternative APNs
  • 263015070000011360
  • 120500

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,642 sqft Living Area
Gross Area4,625 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 Area11,369 sqft (0.261 acres)
Garage TypeAttached
Garage Area682 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area25 sqft
PorchFinished/Open Porch
Porch Area301 sqft
Deck Area517 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address3846 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8732
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 136
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1360
Legal Lot Number136
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-1360

Assessment roll updated November 26, 2025 · Last verified July 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 Address3846 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 18, 2026Deed of Trust, Mortgage · Conventional Mortgage
GUILD MORTGAGE COMPANY
Dec 14, 2017Deed of Trust, Mortgage · Conventional Mortgage
US SMALL BUSN ADMN

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 02, 2011 · Amount on Record
Deed SaleMay 02, 2011 · Amount on Record
Prior SaleMar 04, 2011 · Amount on Record
Deed Document Number201157918
Deed Book / Page4123 / 2833
Prior Transfer DateFeb 23, 2009
Prior Transfer Doc0038071688
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 18, 2026
Property Address3846 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Document Number0000079992
Book / Page6989 / 2387
Instrument DateJun 12, 2026
Instrument202679992
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3846 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732

Mortgage

Document Number0000079992,
DateJun 18, 2026
Book Page6989/2387
Instrument202679992
Lender
NameGUILD MORTGAGE COMPANY
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeFixed Rate
Rate6.36%
Initial TypeFixed Rate
Max Rate-1%

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3846 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Document Number0052631154
Book / Page005263 / 001154
Instrument DateDec 14, 2017
Transaction TypeMortgage
Record UpdatedFeb 06, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3846 CEDAR HAMMOCK TRL ST CLOUD FL 347728732, ST CLOUD, FL 34772-8732

Mortgage

Document Number0052631154
DateJan 03, 2018
Book Page005263/001154
Instrument1644
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35211
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 02, 2033

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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$5,125.00 (+2.27%) Homeowner's exemption$228,465 (+5.99%)$524,500 (+8.98%) Land $85,000 Building $439,500
2024$5,011.00 (+6.08%)
2023$4,724.00 (+5.66%) Homeowner's exemption$215,561 (+3%)$481,300 (+9.99%) Land $75,000 Building $406,300
2022$4,471.00 Homeowner's exemption$209,283$437,600 Land $70,000 Building $367,600

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 500 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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Mobile Coverage

5G and 4G LTE

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