3939 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3939 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,642 sqft · built 2006
Lot Size	0.244 acres (10,629 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Sep 2023)
Tax Bill	$9,727 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`120575`

Property Details

APN / Parcel Number

Primary APN	`120575`
Alternative APN	`152630070000012110`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,642 sqft Heated Area
Gross Area	4,265 sqft
1st Floor Area	1,707 sqft
Upper Floors Area	1,935 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	10,629 sqft (0.244 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	161 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	120575
Street Address	3939 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 211
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	211
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	2 Co-owners on Record
Mailing Address	3939 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Warranty Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP
May 13, 2021	Deed of Trust, Mortgage · Balloon Mortgage STEVEN PUGH
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage COLUMBUS CAPITAL LENDING LLC
Sep 24, 2021	Warranty Deed, Transfer · Commercial Mortgage PLYMOUTH PRIVATE EQUITIES LLC

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Sep 7, 2023 · Amount on Record
Deed Sale	Sep 7, 2023 · Amount on Record
Prior Sale	Jan 18, 2022 · Amount on Record
Deed Document Number	2023117390
Deed Book / Page	6469 / 2964
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 7, 2023
Property Address	3939 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Document Number	0064692964
Book / Page	6469 / 2964
Map Reference	MB 16 PG 34
Instrument Date	Aug 11, 2023
Instrument	2023117390
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7114 SW 114TH PL, MIAMI, FL 33173-1787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3939 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739

Mortgage

Document Number	0064692966
Date	Sep 7, 2023
Instrument	6469/2966

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3939 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1265 HACKNEY RD, SAINT CLOUD, FL 34771-9595

Mortgage

Document Number	0059570428
Date	May 13, 2021
Book Page	5957/428
Instrument	2021073524

Lender

Name	STEVEN PUGH
Type	Private Party
Address	813 NEW YORK AVE, SAINT CLOUD, FL 34769

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 18, 2022
Property Address	3939 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Document Number	0061301071
Book / Page	6130 / 1071
Map Reference	MB 16 PG 34-41
Instrument Date	Oct 31, 2021
Instrument	2022008464
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,194.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3939 CEDAR HAMMOCK TRL, 3939, SAINT CLOUD, FL 34772-8739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10132 NW 7TH ST UNIT 211, 211, MIAMI, FL 33172-4092
Investor	Possibly a Property Investor

Mortgage

Document Number	0061301078
Date	Jan 18, 2022
Instrument	6130/1078

Lender

Name	COLUMBUS CAPITAL LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 24, 2021
Property Address	3939 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Document Number	0060511446
Book / Page	6051 / 1446
Map Reference	MB 16 PG 34
Instrument Date	Sep 21, 2021
Instrument	2021149073
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,926.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1265 HACKNEY RD, 1265, SAINT CLOUD, FL 34771-9595

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3939 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739

Mortgage

Document Number	0060511447
Date	Sep 24, 2021
Instrument	6051/1447

Lender

Name	PLYMOUTH PRIVATE EQUITIES LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Sep 1, 2023

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	$9,727.00 (+1.73%) Homeowner's exemption	$485,600 (+9.3%) Land $85,000 Building $400,600	$485,600 (+9.3%) Land $85,000 Building $400,600
2023	$9,562.00 (+10.12%)	$444,300 (+10.88%) Land $75,000 Building $369,300	$444,300 (+10.88%) Land $75,000 Building $369,300
2022	$8,683.00	$400,700 Land $70,000 Building $330,700	$400,700 Land $70,000 Building $330,700

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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
CenturyLink Fiber	100 / 100

May also be available: Verizon.

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