3850 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3850 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,791 sqft · built 2005
Lot Size	0.239 acres (10,411 sqft)
Owner	Owner Name on File
Last Sale	$314,100 (Nov 2005)
Tax Bill	$3,738 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120501`

Property Details

APN / Parcel Number

Primary APN	`120501`
Alternative APN	`152630070000011370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,791 sqft Heated Area
Gross Area	3,464 sqft
1st Floor Area	2,791 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,411 sqft (0.239 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	120501
Street Address	3850 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 137
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	137
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records · APN 120501

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	Owner Name on File
Mailing Address	3850 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 29, 2005 · Amount on Record
Deed Sale	Nov 29, 2005 · Amount on Record
Deed Document Number	2005262572
Deed Book / Page	2977 / 2022
Record Updated	Jun 08, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3850 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	A Z TEAM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3850 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732

Mortgage

Document Number	0057961068
Date	Sep 18, 2020
Book Page	5796/1068
Instrument	2020125297

Lender

Name	UNIFY FINANCIAL FCU
Type	Credit Union
Address	TORRANCE, CA 90501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2035

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,738.00 (+9.72%) Homeowner's exemption	$150,976 (+5.99%)	$403,400 (+9.56%) Land $85,000 Building $318,400
2023	$3,407.00 (+6.77%) Homeowner's exemption	$142,449 (+3%)	$368,200 (+10.84%) Land $75,000 Building $293,200
2022	$3,191.00 Homeowner's exemption	$138,300	$332,200 Land $70,000 Building $262,200

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 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.

Drinking Water

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

Violations Reported to EPA

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.