Osceola County property record for 3934 Cedar Hammock Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,895 sqft · built 2006 |
| Lot Size | 0.235 acres (10,280 sqft) |
| Owner | Individual Name on File |
| Last Sale | $388,000 (Mar 2024) |
| Tax Bill | $6,939 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage May 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 120522 |
| Primary APN | 120522 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,895 sqft Heated Area |
| Gross Area | 2,765 sqft |
| 1st Floor Area | 1,895 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,280 sqft (0.235 acres) |
| Garage Type | Finished |
| Garage Area | 651 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 219 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 120522 |
|---|---|
| Street Address | 3934 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 158 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 158 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County assessment roll, APN 120522, 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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3934 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO |
| May 17, 2023 | Warranty Deed, Transfer OS NATIONAL LLC |
| Mar 23, 2017 | Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Mar 23, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 12, 2024 · Amount on Record |
| Deed Sale | Mar 12, 2024 · Amount on Record |
| Prior Sale | May 17, 2023 · Amount on Record |
| Deed Document Number | 2024032479 |
| Deed Book / Page | 6564 / 988 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3934 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1413 WYOMING AVE, SAINT CLOUD, FL 34769-4645 |
| Document Number | 0065640990 |
|---|---|
| Date | Mar 12, 2024 |
| Book Page | 6564/990 |
| Instrument | 2024032480 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | 5887 COPLEY DR, SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 17, 2023 |
| Property Address | 3934 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0064081862 |
| Book / Page | 6408 / 1862 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | May 13, 2023 |
| Instrument | 2023063048 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2026 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,386.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 616 AUBURN GROVE TER, AUBURNDALE, FL 33823-2262 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3934 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0051340324 |
| Instrument Date | Mar 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3934 CEDAR HAMMOCK TRL ST CLOUD FL 347728733, ST CLOUD, FL 34772-8733 |
| Document Number | 0051340324 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 005134/000324 |
| Instrument | 57698 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3934 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0051340331 |
| Instrument Date | Mar 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3934 CEDAR HAMMOCK TRL ST CLOUD FL 347728733, ST CLOUD, FL 34772-8733 |
| Document Number | 0051340331 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 005134/000331 |
| Instrument | 57699 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,939.00 (+134.82%) Homeowner's exemption | $329,800 (+181.07%) Land $85,000 Building $244,800 | $329,800 (+9.71%) Land $85,000 Building $244,800 |
| 2023 | $2,955.00 (+7.38%) Homeowner's exemption | $117,338 (+3%) | $300,600 (+10.51%) Land $75,000 Building $225,600 |
| 2022 | $2,752.00 Homeowner's exemption | $113,921 | $272,000 Land $70,000 Building $202,000 |
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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