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$360,000

3922 Cedar Hammock TrailSt Cloud, FL 34772

Listing updated: October 13, 2026 at 4:35 PM ET

Active

Listing courtesy of Mainframe Real Estate · Carla Trine · MLS #O6417320 · Active · 407-513-4257

Beds

Baths

1,895

Sq Ft

0.22

Acres

2007

Built

◆$190/sqft◆360° tour

Single Family Residence

Property type

2007

Year built

9,670 sqft

Lot size

$190

Price / sq ft

$72/mo

HOA dues

106

Days on market

Garage spaces

Flood zone

About this home

NOW $360,000! With a big backyard, room to spread out, and major updates already done, 3922 Cedar Hammock Trail in St. Cloud’s Stevens Plantation has plenty to love. Tropical landscaping sets the scene for this three-bedroom, two-bath home, while a newer roof, HVAC, and water heater add practical appeal. Inside, natural light fills spacious living and dining areas with the flexibility to create your favorite gathering spot, a cozy reading corner, or room for hosting. The kitchen keeps everyone connected with a breakfast bar, granite countertops, generous cabinet storage, a separate cooktop and wall oven, and a sunny breakfast nook. From weekday breakfasts to a house full of guests, there’s room for everyone. Start your morning with coffee on the covered lanai and end it with dinner on the paver patio. The large fenced backyard offers space for gardening, playing, and enjoying Florida afternoons beneath mature trees. When it’s time to unwind, the spacious primary suite features a walk-in closet, soaking tub, and separate shower. Two additional bedrooms, an indoor laundry room, a side-facing garage, and an extended driveway round out the home. Bring your style, settle in, and make it yours. Take a fresh look at this new price—schedule your private tour today!

Estimated monthly payment

Principal & interest$1,820

Property taxes$810

Home insurance (est.)$165

HOA dues$72

Down payment

20%

$72,000 downRate

6.5%

Term

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 history106 days on market

Status: Active
Jun 29, 2026
Listed$380,000
Jun 29, 2026
Price reduced$360,000

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 106
Subdivision: Stevens Plantation
County: Osceola
Year built: 2007
Living area: 1,895 sq ft
Price/sq ft: $190
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: 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

ElementarySt Cloud ElemGreatSchools ↗

MiddleSt. Cloud Middle (6-8)GreatSchools ↗

High SchoolBSt. Cloud High SchoolGreatSchools ↗

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 riskFEMA Zone XPanel 12097C0256G

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 October 13, 2026 at 4:35 PM 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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