Osceola County property record for 3875 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2005 |
| Square Footage | 3,367 sqft Heated Area |
| Lot Size | 14,767 sqft (0.339 acres) |
| Garage | Finished, 441 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $4,310.00 (2025) |
| Primary APN | 120600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,367 sqft Heated Area |
| Gross Area | 4,330 sqft Gross Area |
| 1st Floor | 1,565 sqft 1st Floor |
| Upper Floors | 1,802 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 14,767 sqft (0.339 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Fence | Fence |
| Porch | Finished/Screened Porch |
| Porch Area | 522 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 120600 |
|---|---|
| Street Address | 3875 CEDAR HAMMOCK TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8737 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 236 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 236 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2019 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120600
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 | 724 MARYLAND AVE, SAINT CLOUD, FL 34769-3420 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 28, 2016 |
| Deed Sale | Jun 28, 2016 |
| Prior Sale | Oct 03, 2008 |
| Deed Doc Number | 2009116450 |
| Deed Book / Page | 3866 / 1201 |
| Prior Transfer Date | Jul 24, 2009 |
| Prior Transfer Doc | 2009116450 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3875 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8737 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058131250 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 5813/1250 |
| Instrument | 2020139531 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 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 | $4,310.00 (+9.09%) Homeowner's exemption | $182,957 (+5.99%) | $463,300 (+9.35%) Land $85,000 Building $378,300 |
| 2023 | $3,951.00 (+6.24%) Homeowner's exemption | $172,623 (+3%) | $423,700 (+10.89%) Land $75,000 Building $348,700 |
| 2022 | $3,719.00 Homeowner's exemption | $167,596 | $382,100 Land $70,000 Building $312,100 |
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 |
| 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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