3966 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3966 Cedar Hammock Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,746 sqft · built 2006
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$414,000 (May 2024)
Tax Bill	$8,193 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Nov 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`120529`

Property Details

APN / Parcel Number

Primary APN	`120529`
Alternative APN	`152630070000011650`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,746 sqft Heated Area
Gross Area	3,421 sqft
1st Floor Area	2,746 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	221 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	120529
Street Address	3966 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 165
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	165
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3966 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 9, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Prior Sale	Mar 30, 2022 · Amount on Record
Deed Document Number	2024057680
Deed Book / Page	6593 / 2301
Record Updated	Jun 8, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 30, 2022
Property Address	3966 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number	0061822573
Book / Page	6182 / 2573
Map Reference	MB 16 PG 34
Instrument Date	Mar 29, 2022
Instrument	2022050475
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2002 E ROBINSON ST, 2002, ORLANDO, FL 32803-6045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3966 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

Mortgage

Document Number	0061822575
Date	Mar 30, 2022
Instrument	6182/2575

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 9, 2017
Property Address	3966 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Document Number	0052370164
Book / Page	005237 / 000164
Instrument Date	Oct 12, 2017
Instrument	160599
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2002 E ROBINSON ST ORLANDO FL 328036045, ORLANDO, FL 32803-6045

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	$8,193.00 (+0.18%) Homeowner's exemption	$399,900 (+9.56%) Land $85,000 Building $314,900	$399,900 (+9.56%) Land $85,000 Building $314,900
2023	$8,178.00 (+22.44%)	$365,000 (+10.84%) Land $75,000 Building $290,000	$365,000 (+10.84%) Land $75,000 Building $290,000
2022	$6,679.00	$329,300 Land $70,000 Building $259,300	$329,300 Land $70,000 Building $259,300

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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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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