3862 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3862 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,562 sqft · built 2005
Lot Size	0.239 acres (10,410 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,434 (2025)
Deeds & Mortgages	May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0700-0001-1400`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0700-0001-1400`
Alternative APNs	`263015070000011400` `120504`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,562 sqft Living Area
Gross Area	3,051 sqft
1st Floor Area	1,050 sqft
Upper Floors Area	1,512 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,410 sqft (0.239 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Patio Area	630 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3862 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 140
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1400
Legal Lot Number	140
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-1400

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3862 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	Apr 09, 2008
Deed Sale	Apr 09, 2008
Prior Sale	Dec 08, 2005 · Amount on Record
Deed Document Number	200862862
Deed Book / Page	3669 / 888
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3862 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051431064
Date	May 05, 2017
Book Page	5143/1064
Instrument	2017066555

Lender

Name	REGIONS BANK
Type	Bank
Address	52111

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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	$5,434.00 (+4.46%) Homeowner's exemption	$254,408 (+8.53%)	$367,500 (+9.54%) Land $85,000 Building $282,500
2024	$5,202.00 (+8.6%)
2023	$4,790.00 (+8.99%) Homeowner's exemption	$234,417 (+8.26%)	$335,500 (+10.51%) Land $75,000 Building $260,500
2022	$4,395.00 Homeowner's exemption	$216,526	$303,600 Land $70,000 Building $233,600

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.