Osceola County property record for 3971 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,257 sqft · built 2006 |
| Lot Size | 0.232 acres (10,105 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $253,000 (Nov 2014) |
| Tax Bill | $1,807 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0700-0001-2180 |
| Primary APN | 15-26-30-0700-0001-2180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,257 sqft Living Area |
| Gross Area | 3,708 sqft |
| 1st Floor Area | 1,408 sqft |
| Upper Floors Area | 1,849 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,105 sqft (0.232 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 288 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 10 sqft |
| Deck Area | 658 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3971 CEDAR HAMMOCK TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 218 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 2180 |
| Legal Lot Number | 218 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 43208 |
Source: Osceola County records · APN 15-26-30-0700-0001-2180
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3971 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Nov 28, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 19, 2020 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 24, 2014 · Amount on Record |
| Deed Sale | Nov 24, 2014 · Amount on Record |
| Prior Sale | Dec 30, 2013 |
| Deed Document Number | 2014172840 |
| Deed Book / Page | 4699 / 475 |
| Last Transfer Date | Nov 27, 2023 |
| Transfer Doc | 0065102185 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 28, 2023 |
| Property Address | 3971 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739 |
| Document Number | 0065102185 |
| Book / Page | 6510 / 2185 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Nov 27, 2023 |
| Instrument | 2023155396 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3971 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3971 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3971 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 3971 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739 |
| Document Number | 0057771436 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 5777/1436 |
| Instrument | 2020109676 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jul 01, 2035 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $1,807.00 | $289,880 (+5.99%) | $451,000 (+9.12%) Land $85,000 Building $366,000 |
| 2024 | $1,807.00 (+12.59%) | ||
| 2023 | $1,605.00 (+9.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $273,506 (+3%) | $413,300 (+10.15%) Land $75,000 Building $338,300 |
| 2022 | $1,462.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $265,540 | $375,200 Land $70,000 Building $305,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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