3914 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3914 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,367 sqft · built 2006
Lot Size	0.263 acres (11,456 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Dec 2023)
Tax Bill	$7,336 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0700-0001-1530`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0700-0001-1530`
Alternative APNs	`263015070000011530` `120517`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,367 sqft Living Area
Gross Area	4,082 sqft
1st Floor Area	1,565 sqft
Upper Floors Area	1,802 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,456 sqft (0.263 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	64 sqft
Patio Area	289 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3914 CEDAR HAMMOCK TRL
City	SAINT CLOUD
State	FL
Zip	34772-8733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 153
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1530
Legal Lot Number	153
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 January 6, 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 Record
Mailing Address	3914 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 26, 2023	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2023 · Amount on Record
Deed Sale	Dec 26, 2023 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	2023166832
Deed Book / Page	6523 / 2888
Prior Transfer Date	Jul 1, 2009
Prior Transfer Doc	0038721136
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3914 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3914 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

Mortgage

Document Number	0068990801
Date	Dec 29, 2025
Book Page	6899/801
Instrument	2025157560

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Dec 1, 2053

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 26, 2023
Property Address	3914 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number	0065232888
Book / Page	6523 / 2888
Map Reference	MB 16 PG 34
Instrument Date	Nov 29, 2023
Instrument	2023166832
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3826 CREEK BED CIR, SAINT CLOUD, FL 34769-1408

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3914 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

Mortgage

Document Number	0065232890
Date	Dec 26, 2023
Instrument	6523/2890

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 5, 2017
Property Address	3914 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number	0050802633
Book / Page	005080 / 002633
Instrument Date	Dec 21, 2016
Instrument	1999
Transaction Type	Transfer
Record Updated	Jan 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3914 CEDAR HAMMOCK TRL ST CLOUD FL 347728733, ST CLOUD, FL 34772-8733

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	$7,336.00 (+2.54%)	$351,998 (+37.98%)	$465,700 (+9.27%) Land $85,000 Building $380,700
2024	$7,154.00 (+31.6%)
2023	$5,436.00 (+5.29%) Homeowner's exemption	$255,117 (+3%)	$426,200 (+10.76%) Land $75,000 Building $351,200
2022	$5,163.00 Homeowner's exemption	$247,687	$384,800 Land $70,000 Building $314,800

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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