3858 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3858 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,365 sqft · built 2005
Lot Size	0.239 acres (10,411 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jul 2012)
Tax Bill	$8,886 (2025)
Deeds & Mortgages	Jul 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`120503`

Property Details

APN / Parcel Number

Primary APN	`120503`
Alternative APN	`152630070000011390`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,365 sqft Heated Area
Gross Area	3,037 sqft
1st Floor Area	2,365 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	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	493 sqft
Porch	Open Porch
Porch Area	252 sqft
Deck Area	797 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	120503
Street Address	3858 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 139
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	139
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records · APN 120503

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
Co-owner	Verified Secondary Owner
Mailing Address	3858 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 17, 2012 · Amount on Record
Deed Sale	Jul 17, 2012 · Amount on Record
Prior Sale	May 02, 2011 · Amount on Record
Deed Document Number	2012105134
Deed Book / Page	4296 / 2636
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 21, 2026
Property Address	3858 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Document Number	0000095177
Book / Page	7007 / 337
Instrument Date	Jul 09, 2026
Instrument	202695177
Transaction Type	Transfer
Record Updated	Aug 04, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3858 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732

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	$8,886.00 (+15.51%)	$411,000 (+9.4%) Land $85,000 Building $326,000	$411,000 (+9.4%) Land $85,000 Building $326,000
2023	$7,693.00 (+9.6%)	$375,700 (+8.93%) Land $75,000 Building $300,700	$375,700 (+8.93%) Land $75,000 Building $300,700
2022	$7,019.00	$344,900 Land $70,000 Building $274,900	$344,900 Land $70,000 Building $274,900

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 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

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.