$380,000
PRE-FORECLOSURE The borrower is in default on their loan obligation and/or the bank or lender has initiated foreclosure proceedings. This property is occupied, do not disturb the occupants. Trespassing is a criminal offense.

Estimated payment $3,044/month

Total Views 1,697
3 Beds
2 Baths
1,895 Sq Ft
$201 Price per Sq Ft

Highlights

  • Open Floorplan
  • Florida Architecture
  • Stone Countertops
  • Fruit Trees
  • Cathedral Ceiling
  • Mature Landscaping

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.

Listing Agent

Carla Trine

MAINFRAME REAL ESTATE Brokerage Phone: 407-513-4257 License #3381595 Listed on: 06/29/2026

MAINFRAME REAL ESTATE

Home Details

Home Type

  • Single Family

Year Built

  • Built in 2007

Lot Details

  • 9,670 Sq Ft Lot
  • Northwest Facing Home
  • Vinyl Fence
  • Mature Landscaping
  • Irrigation Equipment
  • Fruit Trees
  • Property is zoned SPUD

HOA Fees

  • $72 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Side Facing Garage

Home Design

  • Florida Architecture
  • Slab Foundation
  • Shingle Roof
  • Block Exterior

Interior Spaces

  • 1,895 Sq Ft Home
  • Open Floorplan
  • Bar
  • Cathedral Ceiling
  • Ceiling Fan
  • French Doors
  • Family Room Off Kitchen
  • Living Room
  • Dining Room
  • Inside Utility

Kitchen

  • Dinette
  • Built-In Oven
  • Cooktop
  • Microwave
  • Dishwasher
  • Stone Countertops
  • Disposal

Flooring

  • Laminate
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • En-Suite Bathroom
  • Walk-In Closet
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Washer Hookup

Outdoor Features

  • Rear Porch

Schools

  • St Cloud Elementary School
  • St. Cloud Middle School
  • St. Cloud High School

Utilities

  • Central Heating and Cooling System
  • Thermostat
  • High Speed Internet
  • Cable TV Available

Community Details

Listing and Financial Details

Home Details

Home Type

Single Family

Year Built

Built in 2007

Lot Details

9,670 Sq Ft Lot

HOA Fees

$72 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Architectural Style: Florida
  • Construction Materials: Block
  • Fireplace: No
  • Living Area: 1895
  • Lot Size Acres: 0.22
  • New Construction: No
  • Year Built: 2007
  • Building Area Total: 2504
  • Lot Size Sq Ft: 9670
  • Status: Active
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 232.63
  • Escrow City: Winter Park
  • Escrow State: FL
  • Escrow Street Name: W Canton Avenue, Suite 120
  • Minimum Lease: 7 Months
  • RATIO Current Price By Calculate: 200.53
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 0
  • MFR_InLawSuiteYN: 0
  • Attribution Contact: 407-513-4257
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Laminate, Tile
  • Full Bathrooms: 2
  • Interior Amenities: Cathedral Ceiling(s), Ceiling Fans(s), Kitchen/Family Room Combo, Open Floorplan, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s)
  • Appliances Included: Built-In Oven, Cooktop, Dishwasher, Disposal, Microwave, Refrigerator
  • Foundation Details: Slab
  • Total Bedrooms: 3
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Additional Rooms: Inside Utility
  • Living Area Meters: 176.05

Exterior Features

  • Direction Faces: Northwest
  • Exterior Features: French Doors, Sidewalk
  • Roof: Shingle
  • Pool Private: No
  • Waterfront: No
  • Patio and Porch Features: Rear Porch
  • Road Surface Type: Paved
  • Water View YN: 0
  • Waterfront Feet Total: 0
  • Flood Zone Panel: 12097C0256G

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Garage Faces Side

Utilities

  • Utilities: BB/HS Internet Available, Cable Available, Electricity Connected, Water Connected
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Laundry Room, Washer Hookup
  • Sewer: Public Sewer
  • Water Source: None

Condo/Co-op/Association

  • Association Fee: 215
  • Association Fee Frequency: Quarterly
  • Association Name: Kayla Govan
  • Phone: 407-214-9727
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Please confirm with HOA
  • Association Fee Requirement: Required
  • Association Email: kgovan@lelandmanagement.com
  • Association URL: www.LelandManagement.com

Fee Information

  • Total Annual Fees: 860.00
  • Total Monthly Fees: 71.67
  • Monthly HOA Amount: 71.67

Schools

  • Elementary School: St Cloud Elem
  • High School: St. Cloud High School
  • Middle Or Junior School: St. Cloud Middle (6-8)

Lot Info

  • Zoning: SPUD
  • Parcel Number: 15-26-30-0700-0001-1550
  • Additional Parcels: No
  • Fencing: Vinyl
  • Flood Zone Code: X

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Cats OK, Dogs OK
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Please confirm with HOA and city/county guidelines

Tax Info

  • Tax Annual Amount: 9721
  • Tax Block: 1
  • Tax Book Number: 16-34-41
  • Tax Lot: 155
  • Tax Other Annual Assessment Amount: 1804

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $9,721 $199,860
2024 $4,239 $194,228
2023 $4,239 $188,571 $0 $0
2022 $3,999 $183,079 $0 $0
2021 $3,820 $177,747 $0 $0
2020 $3,605 $175,293 $0 $0
2019 $3,503 $167,931 $0 $0
2018 $3,761 $164,800 $0 $0
2017 $4,563 $157,300 $40,000 $117,300
2016 $4,368 $149,800 $35,000 $114,800
2015 $4,127 $131,200 $35,000 $96,200
2014 $4,175 $132,800 $35,000 $97,800
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
06/29/2026 06/29/26 For Sale $380,000 0.0% $201 / Sq Ft
08/27/2022 08/27/22 Rented $2,400 0.0% --
08/10/2022 08/10/22 For Rent $2,400 0.0% --
06/16/2014 06/16/14 Off Market $117,000 -- --
04/04/2013 04/04/13 Sold $117,000 -- $62 / Sq Ft View Prior Sale
Source: Stellar MLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Certificate Of Transfer $100 --
Warranty Deed $117,000 Grace Title Incorporated
Warranty Deed $227,300 First American Title Ins Co
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Previous Owner $260,000 New Conventional
Previous Owner $70,200 Balloon
Previous Owner $178,150 Purchase Money Mortgage
Source: Public Records

Source: Stellar MLS

MLS Number: O6417320

Stellar MLS

APN: 15-26-30-0700-0001-1550

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