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3946 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3946 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 2006
Square Footage3,257 sqft Living Area
Lot Size9,583 sqft (0.22 acres)
OccupancyOwner Occupied
Last Sale$319,000 (2020)
Tax Bill$5,961.00 (2025)

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-1610
Alternative APNs
  • 263015070000011610
  • 120525

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area3,257 sqft Living Area
Gross Area3,708 sqft Gross Area
1st Floor Area1,408 sqft 1st Floor
Upper Floors Area1,849 sqft Upper Floors
Stories2 Stories
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.22 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached
Garage Area441 sqft Garage
Patio Area100 sqft Patio
PorchFinished/Open Porch
Porch Area10 sqft Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address3946 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8733
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 161
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number161
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-1610

Assessment roll updated November 26, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3946 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 21, 2022Deed of Trust, Mortgage · Conventional Mortgage
AMERIFIRST FINANCIAL CORP
Jul 16, 2020Warranty Deed, Transfer · Conventional Mortgage
AMERIFIRST FINANCIAL CORP
Jun 05, 2020Loan Modification, Mortgage
OTHER INSTITUTIONAL LENDERS
Oct 28, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 16, 2020 · Amount on Record
Deed SaleJul 16, 2020 · Amount on Record
Prior SaleOct 28, 2019 · Amount on Record
Deed Document Number202092695
Deed Book / Page5755 / 1836
Record UpdatedSep 20, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3946 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Transaction TypeMortgage
Record UpdatedAug 03, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3946 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

Mortgage

Document Number0062551111
DateJul 21, 2022
Book Page6255/1111
Instrument2022112255
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
AddressPORTAGE, MI 49002
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 16, 2020
Property Address3946 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number0057551836
Book / Page5755 / 1836
Map ReferenceMB 16 PG 34-41
Instrument DateJul 15, 2020
Instrument2020092695
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,233.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7557W W SAND LAKE RD # RD181, 7557W, ORLANDO, FL 32819-5109

Transferred To (Grantee/Buyer)

NameVerified Name
Address3946 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

Mortgage

Document Number0057551838
DateJul 16, 2020
Instrument5755/1838
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 28, 2050

June 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3946 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number0057372279
Instrument DateJun 05, 2020
Transaction TypeMortgage
Record UpdatedJul 29, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7557 W SAND LAKE RD #181 ORLANDO FL 328195109, 181, ORLANDO, FL 32819-5109

Mortgage

Document Number0057372279
DateJun 15, 2020
Book Page005737/002279
Instrument76472
Lender
NameOTHER INSTITUTIONAL LENDERS
TypeBank
AddressPO BOX 878, WINTER PARK, FL 32790-0878
Agreement
AmountAmount Recorded

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 28, 2019
Property Address3946 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number0056130013
Book / Page005613 / 000013
Instrument DateOct 25, 2019
Instrument139220
Transaction TypeTransfer
Record UpdatedNov 08, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$805.00
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7557 W SAND LAKE RD #181 ORLANDO FL 328195109, 181, ORLANDO, FL 32819-5109

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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$5,961.00 (+8.52%) Homeowner's exemption$302,579 (+5.99%)$431,800 (+9.37%) Land $85,000 Building $346,800
2023$5,493.00 (+5.55%) Homeowner's exemption$285,488 (+3%)$394,800 (+10.71%) Land $75,000 Building $319,800
2022$5,204.00 Homeowner's exemption$277,173$356,600 Land $70,000 Building $286,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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