3919 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3919 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,919 sqft · built 2006
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Apr 2017)
Tax Bill	$1,807 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`120571`

Property Details

APN / Parcel Number

Primary APN	`120571`
Alternative APN	`152630070000012070`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,919 sqft Heated Area
Gross Area	3,415 sqft
1st Floor Area	1,281 sqft
Upper Floors Area	1,638 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	55 sqft
Deck Area	444 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	120571
Street Address	3919 CEDAR HAMMOCK TRL
City	SAINT CLOUD
State	FL
Zip	34772-8739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 207
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	207
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of July 1, 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 File
Mailing Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Sep 27, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 7, 2021	Deed of Trust, Mortgage · VA Mortgage TJC MORTGAGE INC
Oct 4, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Dec 4, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Mar 17, 2018	Loan Modification, Mortgage · Conventional with PMI QUICKEN LNS
Apr 6, 2017	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 6, 2017 · Amount on Record
Deed Sale	Apr 6, 2017 · Amount on Record
Prior Sale	Oct 11, 2013 · Amount on Record
Deed Document Number	2017052369
Deed Book / Page	5128 / 1839
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Transaction Type	Mortgage
Record Updated	Nov 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739

Mortgage

Document Number	0068700009
Date	Oct 23, 2025
Book Page	6870/9
Instrument	2025132044

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739

Mortgage

Document Number	0060511985
Date	Sep 27, 2021
Book Page	6051/1985
Instrument	2021149208

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739

Mortgage

Document Number	0059300986
Date	Apr 7, 2021
Book Page	5930/986
Instrument	2021052415

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Document Number	0056042168
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3919 CEDAR HAMMOCK TRL ST CLOUD FL 347728739, ST CLOUD, FL 34772-8739

Mortgage

Document Number	0056042168
Date	Oct 11, 2019
Book Page	005604/002168
Instrument	131809

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Document Number	0054471709
Instrument Date	Dec 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3919 CEDAR HAMMOCK TRL ST CLOUD FL 347728739, ST CLOUD, FL 34772-8739

Mortgage

Document Number	0054471709
Date	Dec 11, 2018
Book Page	005447/001709
Instrument	181268

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2048

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Document Number	0053872816
Instrument Date	Mar 17, 2018
Transaction Type	Mortgage
Record Updated	Sep 12, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3919 CEDAR HAMMOCK TRL ST CLOUD FL 347728739, ST CLOUD, FL 34772-8739

Mortgage

Document Number	0053872816
Date	Aug 20, 2018
Book Page	005387/002816
Instrument	126748

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2048

Interest

Rate	3.75%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2017
Property Address	3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Document Number	0051281839
Book / Page	005128 / 001839
Instrument Date	Mar 30, 2017
Instrument	52369
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3919 CEDAR HAMMOCK TRL ST CLOUD FL 347728739, ST CLOUD, FL 34772-8739

Mortgage

Document Number	51281843
Date	Apr 6, 2017
Book Page	005128/001843
Instrument	52370

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2047

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	$1,807.00 (+12.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$259,931 (+5.99%)	$410,400 (+9.38%) Land $85,000 Building $325,400
2023	$1,605.00 (+9.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$245,249 (+3%)	$375,200 (+10.03%) Land $75,000 Building $300,200
2022	$1,462.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$238,106	$341,000 Land $70,000 Building $271,000

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

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
Lumen Technologies Fiber	100 / 100

May also be available: Verizon.

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