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3975 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3975 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3 Baths
Year BuiltBuilt 2007
Square Footage3,367 sqft Heated Area
Lot Size9,801 sqft (0.225 acres)
OccupancyOwner Occupied
Last Sale$393,000 (2020)
Tax Bill$7,031.00 (2025)

Property Details

APN / Parcel Number

Primary APN120583
Alternative APN
  • 152630070000012190

Interior

Bedrooms5 Beds
Full Baths3 Baths
Building Area3,367 sqft Heated Area
Gross Area4,218 sqft Gross Area
1st Floor1,565 sqft 1st Floor
Upper Floors1,802 sqft Upper Floors
Stories2 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2007
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,801 sqft (0.225 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area651 sqft Garage
FenceFence
PorchOpen Porch
Porch Area200 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number120583
Street Address3975 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8739
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 219
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number219
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2023
Census Tract43208

Owner

Source: Osceola County records · APN 120583

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 Address3975 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 08, 2024Deed of Trust, Mortgage · Line of Credit
TD BANK NA
Dec 29, 2020Warranty Deed, Transfer · Veterans Administration Mortgage
HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 29, 2020 · Amount on Record
Deed SaleDec 29, 2020 · Amount on Record
Prior SaleJun 09, 2015 · Amount on Record
Deed Doc Number2020176001
Deed Book / Page5859 / 2213
Record RefreshedJun 08, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3975 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Transaction TypeMortgage
Record UpdatedJan 25, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3975 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739

Mortgage

Document Number0065301488
DateJan 08, 2024
Book Page6530/1488
Instrument2024002600
Lender
NameTD BANK NA
TypeBank
AddressWILMINGTON, DE 19808
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueDec 22, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 29, 2020
Property Address3975 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8739
Document Number0058592213
Book / Page5859 / 2213
Map ReferenceMB 16 PG 34-41
Instrument DateDec 22, 2020
Instrument2020176001
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyFIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,751.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6340 SW 156TH CT, MIAMI, FL 33193-2800

Mortgage

Document Number0058592215
DateDec 29, 2020
Instrument5859/2215
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

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$7,031.00 (+7.61%) Homeowner's exemption$334,963 (+5.99%)$479,700 (+9.42%) Land $85,000 Building $394,700
2023$6,534.00 (+4.9%) Homeowner's exemption$316,042 (+3%)$438,400 (+10.74%) Land $75,000 Building $363,400
2022$6,229.00 Homeowner's exemption$306,837$395,900 Land $70,000 Building $325,900

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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