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3982 Cedar Hammock Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3982 Cedar Hammock Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,642 sqft · built 2006
Lot Size0.273 acres (11,892 sqft)
OwnerIndividual Name on File
Last Sale$383,400 (Oct 2006)
Tax Bill$5,170 (2025)
Deeds & MortgagesSep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN120533

Property Details

APN / Parcel Number

Primary APN120533
Alternative APN
  • 152630070000011690

Interior

Bedrooms5 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,642 sqft Heated Area
Gross Area4,517 sqft
1st Floor Area1,707 sqft
Upper Floors Area1,935 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,892 sqft (0.273 acres)
Garage TypeFinished
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area32 sqft
PorchFinished/Screened Porch
Porch Area413 sqft
Deck Area310 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number120533
Street Address3982 CEDAR HAMMOCK TRL
CitySAINT CLOUD
StateFL
Zip34772-8733
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 169
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number169
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 120533

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 Address3982 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 27, 2006 · Amount on Record
Deed SaleOct 27, 2006 · Amount on Record
Deed Document Number2006260353
Deed Book / Page3315 / 2549
Record UpdatedJun 08, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3982 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3962 CEDAR HAMMOCK TRL, SAINT CLOUD, FL 34772-8733

Mortgage

Document Number0057942243
DateSep 16, 2020
Book Page5794/2243
Instrument2020123946
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
AddressPORTAGE, MI 49002
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueOct 01, 2035

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$5,170.00 (+8.45%) Homeowner's exemption$230,985 (+5.99%)$512,800 (+8.64%) Land $85,000 Building $427,800
2023$4,767.00 (+5.65%) Homeowner's exemption$217,938 (+3%)$472,000 (+9.95%) Land $75,000 Building $397,000
2022$4,512.00 Homeowner's exemption$211,591$429,300 Land $70,000 Building $359,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumFiber1,000 / 1,000
Lumen TechnologiesFiber100 / 100

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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