
3922 CEDAR HAMMOCK TRAIL, ST CLOUD, FL, 34772
Active22 days on marketListed Jun 29, 2026MLS #O6417320
About this home
3922 CEDAR HAMMOCK TRAIL
Welcome home to 3922 Cedar Hammock Trail, nestled in the lovely Stevens Plantation community. From the moment you arrive, you will appreciate the home's inviting curb appeal, highlighted by mature landscaping, a welcoming entry, and a side-facing garage that creates an attractive streetscape while providing an extended driveway for additional parking. Inside, a bright and spacious open floor plan is filled with natural light and offers flexible living spaces designed for both everyday comfort and entertaining. The expansive living area seamlessly connects to the formal dining space and well-appointed kitchen, creating the perfect gathering place for family and friends. The kitchen features 42-inch cherry cabinetry, granite countertops, stainless steel appliances, a breakfast bar ideal for casual conversations while meals are being prepared, and a separate breakfast nook. French doors from the nook lead to the large, fully fenced backyard, offering plenty of room for outdoor entertaining, pets, play, or future garden projects. The thoughtfully designed split-bedroom floor plan provides privacy for everyone. Two generously sized secondary bedrooms and a full hall bathroom are located just off the entry, while the private primary suite overlooks the backyard through large windows and features a spacious en-suite bathroom and a walk-in closet. Additional conveniences include an indoor laundry room located just off the garage, creating the perfect drop zone for bags, shoes, and everyday essentials as you enter the home. Offered as-is for the seller's convenience, this home combines major system updates with the opportunity to add your own finishing touches. With a new roof (2024), HVAC (2023), and fresh interior paint (2025) already completed, simple cosmetic enhancements like updated flooring in the living areas and exterior paint could make this property truly shine. Residents of Stevens Plantation enjoy peaceful surroundings, tree-lined streets, and community amenities, including swimming pools and recreational areas. Conveniently located just minutes from Florida's Turnpike, commuting is a breeze, while shopping, dining, and everyday conveniences are all within a short drive. This move-in-ready home combines comfort, functionality, and an ideal location—everything you've been looking for in your next home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,895
Sqft
0.22 ac
Lot size
2
Garage
2007
Year built
One
Levels
$201
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,447 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,447/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+3.8%
$/sqft vs St Cloud actives
$201 vs $220
Days on market
22 vs 33 typical
Where $201/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
191 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3922 CEDAR HAMMOCK TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$399,900
3220 PAWLEYS LOOP N · same community
4 bd · 2 ba · 2,052 sqft · $195/sqft · 125 DOM
Sold · Mar ’26$410,000
3510 PAWLEYS LOOP S · same community
4 bd · 2 ba · 2,052 sqft · $200/sqft · 89 DOM
Sold · Aug ’25$380,000
2885 LAFAYETTE TRACE DRIVE · same community
3 bd · 2 ba · 1,689 sqft · $225/sqft · 25 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3922 CEDAR HAMMOCK TRAIL — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3922 CEDAR HAMMOCK TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
3922 CEDAR HAMMOCK TRAIL FAQs
What would the monthly payment be for 3922 CEDAR HAMMOCK TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,447/mo — principal and interest, the actual property-tax bill, the $72/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3922 CEDAR HAMMOCK TRAIL?+
The association fee works out to $72 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3922 CEDAR HAMMOCK TRAIL?+
The most recent tax bill on record (2025) was $9,721. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3922 CEDAR HAMMOCK TRAIL?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $380,000, this home is listed about 11% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3922 CEDAR HAMMOCK TRAIL?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MAINFRAME REAL ESTATE · Carla Trine. MLS #O6417320.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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