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3855 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3855 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details6 bd · 2.5 ba · 3,642 sqft · built 2006
Lot Size0.22 acres (9,583 sqft)
Owner2 Individual Names on File
Last Sale$364,900 (Jul 2020)
Tax Bill$10,535 (2025)
Deeds & MortgagesJul 2020 Sale & Mortgage
Dec 2019 Sale
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-2310

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-2310
Alternative APNs
  • 263015070000012310
  • 120595

Interior

Bedrooms6 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,642 sqft Living Area
Gross Area4,485 sqft
1st Floor Area1,707 sqft
Upper Floors Area1,935 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.22 acres)
Lot Dimensions120 ft deep x 80 ft wide
Garage TypeAttached
Garage Area682 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area42 sqft
PorchFinished/Open Porch
Porch Area161 sqft
Deck Area622 sqft
Shed1 Shed
Shed Area72 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address3855 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8737
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 231
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number231
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2019
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-2310

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 Record2 Individual Names on File
Mailing Address3855 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Jul 14, 2020Warranty Deed, Transfer · FHA Mortgage
AMERICAN FINANCIAL NETWORK INC
Dec 03, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 14, 2020 · Amount on Record
Deed SaleJul 14, 2020 · Amount on Record
Prior SaleDec 03, 2019 · Amount on Record
Deed Document Number202091416
Deed Book / Page5754 / 899
Prior Transfer DateNov 05, 2019
Prior Transfer Doc0056330455
Record UpdatedJun 08, 2026

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 14, 2020
Property Address3855 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Document Number0057540899
Book / Page5754 / 899
Map ReferenceMB 16 PG 34-41
Instrument DateJul 09, 2020
Instrument2020091416
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyINFINITY TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,554.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3855 CEDAR HAMMOCK TRL, 3855, SAINT CLOUD, FL 34772-8737

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3855 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737

Mortgage

Document Number0005754901
DateJul 14, 2020
Instrument5754/901
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateDec 03, 2019
Property Address3855 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737
Document Number0056330455
Book / Page005633 / 000455
Instrument DateNov 05, 2019
Instrument156036
Transaction TypeTransfer
Record UpdatedDec 20, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,876.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3855 CEDAR HAMMOCK TRL ST CLOUD FL 347728737, ST CLOUD, FL 34772-8737

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$10,535.00 (+6.33%)$512,600 (+9.16%) Land $85,000 Building $427,600$512,600 (+9.16%) Land $85,000 Building $427,600
2024$9,908.00 (+8.64%)
2023$9,120.00 (+17.94%)$469,600 (+19.04%) Land $75,000 Building $394,600$469,600 (+19.04%) Land $75,000 Building $394,600
2022$7,733.00$394,500 Land $70,000 Building $324,500$394,500 Land $70,000 Building $324,500

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 X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

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

Values are read at the parcel center point; lenders make the official flood determination.

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