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3967 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3967 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,646 sqft · built 2006
Lot Size0.239 acres (10,411 sqft)
OwnerIndividual Name on File
Last Sale$147,000 (Dec 2011)
Tax Bill$3,610 (2025)
Deeds & MortgagesApr 2022 Mortgage
May 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN120581

Property Details

APN / Parcel Number

Primary APN120581
Alternative APN
  • 152630070000012170

Interior

Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,646 sqft Heated Area
Gross Area3,240 sqft
1st Floor Area1,134 sqft
Upper Floors Area1,512 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,411 sqft (0.239 acres)
Garage TypeFinished
Garage Area484 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area110 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number120581
Street Address3967 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8739
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 217
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number217
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2023
Census Tract43208

Owner

Source: Osceola County records · APN 120581

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3967 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 20, 2022Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP
May 12, 2021Deed of Trust, Mortgage · FHA Mortgage
HOME POINT FINANCIAL CORPORATION
Jan 21, 2020Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
Jan 09, 2018Deed of Trust, Mortgage · FHA Mortgage
BANK OF ENGLAND

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 08, 2011 · Amount on Record
Deed SaleDec 08, 2011 · Amount on Record
Prior SaleFeb 09, 2011 · Amount on Record
Deed Document Number2011168751
Deed Book / Page4206 / 1686
Record UpdatedJun 08, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3967 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Transaction TypeMortgage
Record UpdatedMay 04, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3967 CEDAR KAMMOCK TRL, SAINT CLOUD, FL 34772-8739

Mortgage

Document Number0061971766
DateApr 20, 2022
Book Page6197/1766
Instrument2022062188
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3967 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Transaction TypeMortgage
Record UpdatedJan 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3967 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739

Mortgage

Document Number0059561272
DateMay 12, 2021
Book Page5956/1272
Instrument2021072986
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3967 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056601562
DateJan 21, 2020
Book Page5660/1562
Instrument2020009566
Lender
NameTRUIST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 20, 2050
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3967 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Document Number0052682033
Instrument DateJan 09, 2018
Transaction TypeMortgage
Record UpdatedAug 30, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3967 CEDAR HAMMOCK TRL ST CLOUD FL 347728739, ST CLOUD, FL 34772-8739

Mortgage

Document Number0052682033
DateJan 12, 2018
Book Page005268/002033
Instrument7053
Lender
NameBANK OF ENGLAND
TypeBank
AddressLITTLE ROCK, AR 72201
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 11, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$3,610.00 (+9.86%) Homeowner's exemption$143,834 (+5.99%)$379,300 (+9.59%) Land $85,000 Building $294,300
2023$3,286.00 (+6.9%) Homeowner's exemption$135,710 (+3%)$346,100 (+10.75%) Land $75,000 Building $271,100
2022$3,074.00 Homeowner's exemption$131,758$312,500 Land $70,000 Building $242,500

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
Nearest Special Flood Hazard AreaZone A, within 500 ft

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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