Osceola County property record for 3930 Cedar Hammock Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,257 sqft · built 2006 |
| Lot Size | 0.226 acres (9,888 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,728 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 120521 |
| Primary APN | 120521 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,257 sqft Heated Area |
| Gross Area | 3,708 sqft |
| 1st Floor Area | 1,408 sqft |
| Upper Floors Area | 1,849 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 | 9,888 sqft (0.226 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 10 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 120521 |
|---|---|
| Street Address | 3930 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 157 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 157 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120521
Assessment roll updated 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3930 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 03, 2019 | Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 27, 2019 |
| Deed Sale | Dec 27, 2019 |
| Prior Sale | Apr 23, 2012 · Amount on Record |
| Deed Document Number | 0005648254 |
| Deed Book / Page | 5552 / 1047 |
| Prior Transfer Date | Jul 03, 2019 |
| Prior Transfer Doc | 2019086474 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3930 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3930 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0059372340 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 5937/2340 |
| Instrument | 2021058389 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 03, 2019 |
| Property Address | 3930 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0055521047 |
| Book / Page | 5552 / 1047 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 2019086474 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | PUBLIC TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1208 MARY KATHERINE DR, 1208, SEVIERVILLE, TN 37864 |
| Name | Verified Name |
|---|---|
| Address | 3930 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0055521049 |
|---|---|
| Date | Jul 03, 2019 |
| Instrument | 5552/1049 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
Source: Osceola County records · Assessment roll updated 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 | $8,728.00 (+51.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $295,452 (+5.99%) | $434,500 (+9.47%) Land $85,000 Building $349,500 |
| 2023 | $5,772.00 (+5.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $278,764 (+3%) | $396,900 (+10.9%) Land $75,000 Building $321,900 |
| 2022 | $5,486.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $270,645 | $357,900 Land $70,000 Building $287,900 |
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
| 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, availability as of December 31, 2025 · sampled at 262 locations within half a mile · 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 via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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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