3851 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3851 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,586 sqft · built 2005
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$462,000 (Jun 2022)
Tax Bill	$7,673 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`120594`

Property Details

APN / Parcel Number

Primary APN	`120594`
Alternative APN	`152630070000012300`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,586 sqft Heated Area
Gross Area	3,180 sqft
1st Floor Area	1,074 sqft
Upper Floors Area	1,512 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	110 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	120594
Street Address	3851 CEDAR HAMMOCK TRL
City	SAINT CLOUD
State	FL
Zip	34772-8737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 230
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	230
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43208

Owner

Source: Osceola County records · APN 120594

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	3851 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 09, 2022	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC
Jul 08, 2021	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Feb 01, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 11, 2017	Warranty Deed, Transfer · VA Mortgage CERTIFIED MORTGAGE PLANNERS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 09, 2022 · Amount on Record
Deed Sale	Jun 09, 2022 · Amount on Record
Prior Sale	Jul 08, 2021 · Amount on Record
Deed Document Number	2022090295
Deed Book / Page	6229 / 2928
Record Updated	Jun 08, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 09, 2022
Property Address	3851 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Document Number	0062292928
Book / Page	6229 / 2928
Map Reference	MB 16 PG 34-41
Instrument Date	May 31, 2022
Instrument	2022090295
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,234.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1707 PLANTATION OAK DR, 1707, ORLANDO, FL 32824-4865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737

Mortgage

Document Number	0062292930
Date	Jun 09, 2022
Instrument	6229/2930

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 08, 2021
Property Address	3851 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Document Number	0059980643
Book / Page	5998 / 643
Map Reference	MB 16 PG 34-41
Instrument Date	Jul 07, 2021
Instrument	2021106438
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3851 CEDAR HAMMOCK TRL, 3851, SAINT CLOUD, FL 34772-8737

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737

Mortgage

Document Number	5998645
Date	Jul 08, 2021
Instrument	5998/645

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3851 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737

Mortgage

Document Number	0058811696
Date	Feb 01, 2021
Book Page	5881/1696
Instrument	2021014123

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 11, 2017
Property Address	3851 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Document Number	0051771819
Book / Page	5177 / 1819
Map Reference	MB16 PG34-41
Instrument Date	Jul 07, 2017
Instrument	2017100951
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,533.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25019 BETTON HL, 25019, LEESBURG, FL 34748-9448

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3851 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737

Mortgage

Document Number	0051771820
Date	Jul 11, 2017
Instrument	5177/1820

Lender

Name	CERTIFIED MORTGAGE PLANNERS
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2047

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,673.00 (+7.42%) Homeowner's exemption	$370,848 (+5.99%)	$383,700 (+9.66%) Land $85,000 Building $298,700
2023	$7,143.00 (-0.22%) Homeowner's exemption	$349,900 (+10.69%) Land $75,000 Building $274,900	$349,900 (+10.69%) Land $75,000 Building $274,900
2022	$7,159.00	$316,100 Land $70,000 Building $246,100	$316,100 Land $70,000 Building $246,100

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020, other causes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Fiber	1,000 / 1,000
Lumen Technologies	Fiber	100 / 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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