Osceola County property record for 3919 Cedar Hammock Trl, Saint Cloud, FL 34772
| 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 |
| Primary APN | 120571 |
|---|---|
| Alternative APN |
|
| 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 |
| 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 |
| Pool Area | 312 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 55 sqft |
| Deck Area | 444 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| 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 |
Source: Osceola County assessment roll, APN 120571, as of July 1, 2025 · Last verified December 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 |
| 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 07, 2021 | Deed of Trust, Mortgage · VA Mortgage TJC MORTGAGE INC |
| Oct 04, 2019 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Dec 04, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Mar 17, 2018 | Loan Modification, Mortgage · Conventional with PMI QUICKEN LNS |
| Apr 06, 2017 | Warranty Deed, Transfer · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 06, 2017 · Amount on Record |
| Deed Sale | Apr 06, 2017 · Amount on Record |
| Prior Sale | Oct 11, 2013 · Amount on Record |
| Deed Document Number | 2017052369 |
| Deed Book / Page | 5128 / 1839 |
| Record Updated | Jun 08, 2026 |
| 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 05, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739 |
| Document Number | 0068700009 |
|---|---|
| Date | Oct 23, 2025 |
| Book Page | 6870/9 |
| Instrument | 2025132044 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| 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 07, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739 |
| Document Number | 0060511985 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 6051/1985 |
| Instrument | 2021149208 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 26, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| 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 04, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3919 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739 |
| Document Number | 0059300986 |
|---|---|
| Date | Apr 07, 2021 |
| Book Page | 5930/986 |
| Instrument | 2021052415 |
| Name | TJC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35243 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| 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 04, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2019 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3919 CEDAR HAMMOCK TRL ST CLOUD FL 347728739, ST CLOUD, FL 34772-8739 |
| Document Number | 0056042168 |
|---|---|
| Date | Oct 11, 2019 |
| Book Page | 005604/002168 |
| Instrument | 131809 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 10, 2049 |
| 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 04, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 02, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3919 CEDAR HAMMOCK TRL ST CLOUD FL 347728739, ST CLOUD, FL 34772-8739 |
| Document Number | 0054471709 |
|---|---|
| Date | Dec 11, 2018 |
| Book Page | 005447/001709 |
| Instrument | 181268 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 2048 |
| 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 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3919 CEDAR HAMMOCK TRL ST CLOUD FL 347728739, ST CLOUD, FL 34772-8739 |
| Document Number | 0053872816 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 005387/002816 |
| Instrument | 126748 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 19, 2048 |
| Rate | 3.75% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 06, 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) |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3919 CEDAR HAMMOCK TRL ST CLOUD FL 347728739, ST CLOUD, FL 34772-8739 |
| Document Number | 51281843 |
|---|---|
| Date | Apr 06, 2017 |
| Book Page | 005128/001843 |
| Instrument | 52370 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 05, 2047 |
Source: Osceola County assessment roll as of July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| 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 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection, 262 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| 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.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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