3898 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3898 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,085 sqft · built 2005
Lot Size	0.289 acres (12,588 sqft)
Owner	2 Individual Names on Record
Last Sale	$358,500 (Dec 2005)
Tax Bill	$3,626 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0700-0001-1490`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0700-0001-1490`
Alternative APNs	`263015070000011490` `120513`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,085 sqft Living Area
Gross Area	3,634 sqft
1st Floor Area	1,322 sqft
Upper Floors Area	1,763 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	12,588 sqft (0.289 acres)
Lot Dimensions	130 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3898 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 149
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1490
Legal Lot Number	149
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records, as of November 26, 2025

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 Record
Mailing Address	3898 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Jul 16, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2005 · Amount on Record
Deed Sale	Dec 7, 2005 · Amount on Record
Deed Document Number	2005269945
Deed Book / Page	2988 / 78
Last Transfer Date	May 10, 2024
Transfer Doc	0066151320
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3898 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3898 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732

Mortgage

Document Number	0058032622
Date	Oct 1, 2020
Book Page	5803/2622
Instrument	2020131535

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3898 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8732
Document Number	0055602580
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3898 CEDAR HAMMOCK TRL ST CLOUD FL 347728732, ST CLOUD, FL 34772-8732

Mortgage

Document Number	0055602580
Date	Jul 23, 2019
Book Page	005560/002580
Instrument	94453

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,626.00 (+2.14%)	$161,361 (+5.99%)	$421,200 (+9.52%) Land $85,000 Building $336,200
2024	$3,550.00 (+8.07%)
2023	$3,285.00 (+7.21%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$152,247 (+3%)	$384,600 (+10.84%) Land $75,000 Building $309,600
2022	$3,064.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$147,813	$347,000 Land $70,000 Building $277,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
CenturyLink Fiber	100 / 100

May also be available: Verizon.

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