$380,000
3922 Cedar Hammock Trail
St Cloud, FL 34772
Listing updated: August 17, 2026 at 9:37 AM ET
Listing courtesy of Mainframe Real Estate · Carla Trine · MLS #O6417320 · Active · 407-513-4257Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Seller will consider a closing-cost and/or flooring credit with an acceptable offer. Current taxes reflect non-homestead status and a previous owner's tax circumstance that will be paid off at closing; buyers are encouraged to verify anticipated taxes and available exemptions. Welcome to 3922 Cedar Hammock Trail, a spacious 3-bedroom, 2-bath home in the desirable Stevens Plantation community of St. Cloud. With nearly 1,900 square feet, this home offers a comfortable split-bedroom floor plan with plenty of room to gather, entertain, and make the space your own. Several of the big-ticket items have already been taken care of, including a NEW ROOF in 2024, HVAC in 2023, and fresh interior paint in 2025. The open living and dining areas offer flexible space for everyday living, while the kitchen provides ample cabinetry, counter space, and an easy flow into the main living areas. The private primary suite features generous space, a walk-in closet, and an en-suite bath, while two additional bedrooms provide flexibility for family, guests, or a home office. Step outside to a fully fenced backyard with plenty of room for pets, play, entertaining, or creating your own outdoor retreat. The home offers an excellent opportunity for a buyer to personalize the flooring to their taste—and with the seller willing to consider a credit with an acceptable offer, you can make those updates your way. Conveniently located near shopping, dining, schools, major roadways, and everything the growing St. Cloud area has to offer.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history49 days on market
- Status: ActiveJun 29, 2026
- Listed$380,000Jun 29, 2026
- Price increased$380,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 49
- Subdivision
- Stevens Plantation
- County
- Osceola
- Year built
- 2007
- Living area
- 1,895 sq ft
- Price/sq ft
- $201
- Building area
- 2,504 sq ft (Public Records)
- Lot size
- 9,670 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0256G)
- Garage
- 2 spaces
- Annual taxes
- $9,721 (2025)
- Parcel #
- 15-26-30-0700-0001-1550
- Zoning
- SPUD
- MLS #
- O6417320
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Laminate, Tile
- Appliances
- Built-In Oven, Cooktop, Dishwasher, Disposal, Microwave, Refrigerator
- Interior features
- Cathedral Ceiling(s), Ceiling Fans(s), Kitchen/Family Room Combo, Open Floorplan, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s)
- Laundry
- Laundry Room, Washer Hookup
- Stories / Levels
- One
- Direction faces
- Northwest
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Garage Faces Side
HOA & Financial
- HOA fee
- $215 / Quarterly
- Monthly HOA
- $72/mo
- Total monthly fees
- $72/mo
- Total annual fees
- $860
- HOA name
- Kayla Govan
- CDD
- Yes
- Min lease term
- 7 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Please confirm with HOA and city/county guidelines
Exterior & Construction
- Exterior features
- French Doors, Sidewalk
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- None
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Connected, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 15x23 |
| Dining Room | First | 14x15 |
| Kitchen | First | 12x15 |
| Dinette | First | 9x15 |
| Primary Bedroom | First | 14x15 |
| Bedroom 2 | First | 10x12 |
| Bedroom 3 | First | 10x12 |
Listing Details
- Listing date
- 2026-06-09
- On market date
- 2026-06-29
- Original list price
- $380,000
- Occupant type
- Vacant
- MLS area
- 34772 - St Cloud (Narcoossee Road)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-06-29
- Tax legal description
- STEVENS PLANTATION PB 16 PGS 34-41 LOT 155
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Florida's Turnpike, Head north, Keep right, follow signs for St Cloud and merge onto US-192 E/US-441 S, Turn right onto Budinger Ave, Turn left onto Nolte Rd, Turn right at the 1st cross street onto Burberry Pl/Cedar Hammock Trail, Turn left onto Cedar Hammock Trail, house will be on the left hand side
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of August 17, 2026 at 9:37 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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