Osceola County property record for 3962 Cedar Hammock Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,746 sqft · built 2006 |
| Lot Size | 0.246 acres (10,759 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,277 (2025) |
| Deeds & Mortgages | Jul 2021 Sale May 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 120528 |
| Primary APN | 120528 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,746 sqft Heated Area |
| Gross Area | 3,232 sqft |
| 1st Floor Area | 2,746 sqft |
| Flooring | Carpet |
| 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 | 10,759 sqft (0.246 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 45 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 120528 |
|---|---|
| Street Address | 3962 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 164 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 164 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 120528
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 | Individual Name on File |
|---|---|
| Mailing Address | 3962 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 12, 2021 | Warranty Deed, Transfer CORE TITLE SERVICES LLC |
| May 04, 2020 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Sep 05, 2019 | Grant Deed, Transfer OPENDOOR TITLE LLC |
| Jul 01, 2019 | Warranty Deed, Transfer OPENDOOR TITLE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 19, 2025 |
| Deed Sale | Jan 19, 2025 |
| Prior Sale | May 04, 2020 · Amount on Record |
| Deed Document Number | 2021108085 |
| Deed Book / Page | 6000 / 1287 |
| Prior Transfer Date | Jul 12, 2021 |
| Prior Transfer Doc | 2021108085 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 12, 2021 |
| Property Address | 3962 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0060001287 |
| Book / Page | 6000 / 1287 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Jul 07, 2021 |
| Instrument | 2021108085 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,747.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5247 SHERWOOD CT, 5247, CARMEL, IN 46033-3779 |
| Name | Verified Name |
|---|---|
| Address | 396 CEDAR HAMMOCK TRAIL, SAINT CLOUD, FL 34772 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 04, 2020 |
| Property Address | 3962 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0057170917 |
| Book / Page | 005717 / 000917 |
| Instrument Date | Apr 21, 2020 |
| Instrument | 59807 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | TITLE FORWARD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,086.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3962 CEDAR HAMMOCK TRL ST CLOUD FL 347728733, ST CLOUD, FL 34772-8733 |
| Document Number | 57170920 |
|---|---|
| Date | May 04, 2020 |
| Book Page | 005717/000920 |
| Instrument | 59808 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 03, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 05, 2019 |
| Property Address | 3962 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0055832115 |
| Book / Page | 005583 / 002115 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 113758 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2019 |
| Title Company | OPENDOOR TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,998.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3962 CEDAR HAMMOCK TRL ST CLOUD FL 347728733, ST CLOUD, FL 34772-8733 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 01, 2019 |
| Property Address | 3962 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733 |
| Document Number | 0055500560 |
| Book / Page | 005550 / 000560 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 84855 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2019 |
| Title Company | OPENDOOR TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,950.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999 |
| Investor | Possibly a Property Investor |
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 | $7,277.00 (+7.7%) Homeowner's exemption Senior Citizen's exemption | $360,358 (+5.99%) | $399,800 (+9.41%) Land $85,000 Building $314,800 |
| 2023 | $6,757.00 (+4.92%) Homeowner's exemption Senior Citizen's exemption | $340,003 (+3%) | $365,400 (+10.69%) Land $75,000 Building $290,400 |
| 2022 | $6,440.00 Homeowner's exemption Senior Citizen's exemption | $330,100 Land $70,000 Building $260,100 | $330,100 Land $70,000 Building $260,100 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 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.
Based on FCC filings for 262 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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