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3922 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3922 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,895 sqft · built 2007
Lot Size0.222 acres (9,670 sqft)
OwnerIndividual Name on File
Last Sale$117,000 (Apr 2013)
Tax Bill$9,721 (2025)
Deeds & MortgagesFeb 2026 Foreclosure
Nov 2023 Line of Credit
+ 3 more
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-1550

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-1550
Alternative APNs
  • 263015070000011550
  • 120519

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,895 sqft Living Area
Gross Area2,504 sqft
1st Floor Area1,895 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,670 sqft (0.222 acres)
Lot Dimensions120 ft deep x 80 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area168 sqft
Patio Area225 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3922 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8733
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 155
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1550
Legal Lot Number155
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-1550

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 RecordIndividual Name on File
Mailing Address618 BAFFIE AVE, WINTER PARK, FL 32789-3333
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Feb 10, 2026Trustee's Deed, Foreclosure
Foreclosure Auction
Nov 17, 2023Deed of Trust, Mortgage · Line of Credit
LUCY A BOWEN
Apr 22, 2019Deed of Trust, Mortgage · FHA Mortgage
CROSSCOUNTRY MORTGAGE INC
Jun 12, 2020Deed of Trust, Mortgage · FHA Mortgage
CROSSCOUNTRY MORTGAGE LLC
Mar 01, 2022Special Warranty Deed, Transfer · Balloon Mortgage
SWEETPEA HOLDINGS LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 24, 2013 · Amount on Record
Deed SaleApr 24, 2013 · Amount on Record
Prior SaleOct 17, 2007 · Amount on Record
Deed Document Number201365655
Deed Book / Page4431 / 1904
Record UpdatedSep 20, 2026

February 2026: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionOSCEOLA FL
Recording DateFeb 10, 2026
Property Address3922 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number0069200197
Book / Page6920 / 197
Map ReferenceMB 16 PG 34-41
Instrument DateJan 21, 2026
Instrument2026017665
Transaction TypeForeclosure
Record UpdatedMar 03, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Foreclosure Auction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address618 BAFFIE AVE, WINTER PARK, FL 32789-3333

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3922 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Transaction TypeMortgage
Record UpdatedDec 07, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3181 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7106

Mortgage

Document Number0065061949
DateNov 17, 2023
Book Page6506/1949
Instrument2023151571
Lender
NameLUCY A BOWEN
TypePrivate Party
Address618 BAFFIE AVE, WINTER PARK, FL 32789
Agreement
TypeLine of Credit
AmountAmount Recorded
Term2 Months
DueJan 01, 2024

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3922 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055101837
DateApr 22, 2019
Book Page5510/1837
Instrument2019050130
Lender
NameCROSSCOUNTRY MORTGAGE INC
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2049

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3922 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Transaction TypeMortgage
Record UpdatedAug 01, 2022
Title CompanyFIRST SOURCE TITLE AGCY INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057360981
DateJun 12, 2020
Book Page5736/981
Instrument2020075234
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeNon-Lending Institution
AddressBRECKSVILLE, OH 44141
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2050

March 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 01, 2022
Property Address3922 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number0061601340
Book / Page6160 / 1340
Instrument DateJan 21, 2022
Instrument2022032535
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,940.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address9990 RICHMOND AVE STE 400, 9990, HOUSTON, TX 77042-4546

Transferred To (Grantee/Buyer)

NameVerified Name
Address3922 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

Mortgage

Document Number0061601344
DateMar 01, 2022
Instrument6160/1344
Lender
NameSWEETPEA HOLDINGS LLC
TypeNon-Lending Institution
Agreement
TypeBalloon Mortgage
AmountAmount Recorded
Term36 Months
DueMar 01, 2025

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$9,721.00 (+1.03%) Homeowner's exemption$199,860 (+2.9%)$326,000 (+2.42%) Land $85,000 Building $241,000
2024$9,622.00 (+127.04%) Homeowner's exemption$194,228 (+3%)$318,300 (+7.06%) Land $85,000 Building $233,300
2023$4,238.00 (+6%) Homeowner's exemption$188,571 (+3%)$297,300 (+10.27%) Land $75,000 Building $222,300
2022$3,998.00 Homeowner's exemption$183,079$269,600 Land $70,000 Building $199,600

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.

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