Osceola County property record for 3859 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,367 sqft · built 2005 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $237,000 (Aug 2013) |
| Tax Bill | $2,201 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 120596 |
| Primary APN | 120596 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,367 sqft Heated Area |
| Gross Area | 4,470 sqft Gross Area |
| 1st Floor Area | 1,565 sqft 1st Floor |
| Upper Floors Area | 1,802 sqft Upper Floors |
| Stories | 2 Stories |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| 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 |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished |
| Garage Area | 441 sqft Garage |
| Pool Area | 336 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 500 sqft Deck |
| Porch | Open Porch |
| Porch Area | 662 sqft Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 120596 |
|---|---|
| Street Address | 3859 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 232 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 232 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120596
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 | 3859 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 05, 2013 · Amount on Record |
| Deed Sale | Aug 05, 2013 · Amount on Record |
| Prior Sale | Mar 17, 2009 · Amount on Record |
| Deed Document Number | 2013123035 |
| Deed Book / Page | 4483 / 1747 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3859 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3259 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772 |
| Document Number | 0058270429 |
|---|---|
| Date | Nov 04, 2020 |
| Book Page | 5827/429 |
| Instrument | 2020150752 |
| Name | THE MONEY HOUSE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN JUAN, PR 00901 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $2,201.00 (-58.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $268,118 (+5.99%) | $489,700 (+8.92%) Land $85,000 Building $404,700 |
| 2023 | $5,308.00 (+5.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $252,973 (+3%) | $449,600 (+10.09%) Land $75,000 Building $374,600 |
| 2022 | $5,035.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $245,605 | $408,400 Land $70,000 Building $338,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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; lenders make the official flood determination.
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