1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Cedar Hammock Trl

3902 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3902 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,257 sqft · built 2006
Lot Size0.279 acres (12,153 sqft)
OwnerCompany Name on File
Last Sale$440,000 (Nov 2021)
Tax Bill$7,987 (2025)
Deeds & MortgagesDec 2023 Transfer
Nov 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-1500

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-1500
Alternative APNs
  • 263015070000011500
  • 120514

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,257 sqft Living Area
Gross Area4,224 sqft
1st Floor Area1,408 sqft
Upper Floors Area1,849 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,153 sqft (0.279 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area526 sqft
Patio Area2,400 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address3902 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8733
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 150
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1500
Legal Lot Number150
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-1500

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

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

Owner of RecordCompany Name on File
Mailing Address3902 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Dec 28, 2023Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 15, 2021Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 15, 2021 · Amount on Record
Deed SaleNov 15, 2021 · Amount on Record
Prior SaleMar 07, 2006 · Amount on Record
Deed Document Number2021176448
Deed Book / Page6085 / 2334
Last Transfer DateDec 27, 2023
Transfer Doc0065252820
Record UpdatedSep 20, 2026

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateDec 28, 2023
Property Address3902 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number0065252820
Book / Page6525 / 2820
Map ReferenceMB 16 PG 34
Instrument DateDec 27, 2023
Instrument2023168348
Transaction TypeTransfer
Record UpdatedJan 16, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3902 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address3902 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 15, 2021
Property Address3902 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number0060852334
Book / Page6085 / 2334
Map ReferenceMB 16 PG 34
Instrument DateOct 10, 2021
Instrument2021176448
Transaction TypeTransfer
Record UpdatedNov 25, 2021
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,080.00
Amount AccuracyFull Amount Stated
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1775 CHATSWORTH CIR, 1775, SAINT CLOUD, FL 34771-7687

Transferred To (Grantee/Buyer)

NameVerified Name
Address3902 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

Mortgage

Document Number60852335
DateNov 15, 2021
Instrument6085/2335
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$7,987.00 (+2.38%)$388,359 (+32.34%)$465,700 (+8.96%) Land $85,000 Building $380,700
2024$7,801.00 (+27.32%)
2023$6,127.00 (+9.27%) Homeowner's exemption$293,453 (+7.76%)$427,400 (+14.19%) Land $75,000 Building $352,400
2022$5,607.00 Homeowner's exemption$272,323$374,300 Land $70,000 Building $304,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumFiber1,000 / 1,000
Lumen TechnologiesFiber100 / 100

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Nearby Properties on Cedar Hammock Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures