3899 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3899 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,257 sqft · built 2005
Lot Size	0.246 acres (10,759 sqft)
Owner	Individual Name on Record
Last Sale	$379,000 (Mar 2021)
Tax Bill	$8,219 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120568`

Property Details

APN / Parcel Number

Primary APN	`120568`
Alternative APN	`152630070000012040`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,257 sqft Heated Area
Gross Area	3,706 sqft
1st Floor Area	1,408 sqft
Upper Floors Area	1,849 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,759 sqft (0.246 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Pool Area	230 sqft
Porch	Open Porch
Deck Area	547 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	120568
Street Address	3899 CEDAR HAMMOCK TRL
City	SAINT CLOUD
State	FL
Zip	34772-8738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 204
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	204
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3899 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP
Nov 16, 2020	Warranty Deed, Transfer OS NATIONAL LLC, OS NAT'L LLC
Jun 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Prior Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	2021045797
Deed Book / Page	5921 / 2139
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 26, 2021
Property Address	3899 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8738
Document Number	0059212139
Book / Page	5921 / 2139
Map Reference	MB 16 PG 34
Instrument Date	Mar 18, 2021
Instrument	2021045797
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,653.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8738

Mortgage

Document Number	0059212141
Date	Mar 26, 2021
Instrument	5921/2141

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 16, 2020
Property Address	3899 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8738
Document Number	0058332331
Book / Page	005833 / 002331
Instrument Date	Nov 12, 2020
Instrument	156675
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Amount	Amount Recorded
Tax	$2,499.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1 POST ST #11 SAN FRANCISCO CA 941045215, 11, SAN FRANCISCO, CA 94104-5215
Investor	Possibly a Property Investor

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3899 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8738
Document Number	0057481021
Instrument Date	Jun 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3899 CEDAR HAMMOCK TRL ST CLOUD FL 347728738, ST CLOUD, FL 34772-8738

Mortgage

Document Number	0057481021
Date	Jul 2, 2020
Book Page	005748/001021
Instrument	85783

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$8,219.00 (+7.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$406,317 (+5.99%)	$449,400 (+9.42%) Land $85,000 Building $364,400
2023	$7,656.00 (+4.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$383,366 (+3%)	$410,700 (+10.34%) Land $75,000 Building $335,700
2022	$7,317.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$372,200 Land $70,000 Building $302,200	$372,200 Land $70,000 Building $302,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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