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3922 CEDAR HAMMOCK TRAIL, St. Cloud, FL, 34772 | $380,000
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.
Features
- Rooms: 7
- Bedrooms: 3
- Baths: 2 full
- Laundry: Laundry Room, Washer Hookup
- Style: Florida
- Year Built: 2007
- Garage: 2-car Garage Faces Side
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,895
- Acreage: 0.22
- Est. Taxes: $9,721
- HOA Fee: $215 Quarterly
- Elem. School: St Cloud Elem
- Middle School: St. Cloud Middle (6-8)
- High School: St. Cloud High School
- Pet Policy: Cats OK, Dogs OK
- Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Microwave, Refrigerator
- MLS#: O6417320
- Days on Market: 1 day
- Website: https://www.raveis.com
/prop/O6417320/3922cedarhammocktrail_stcloud_fl?source=qrflyer
Listing courtesy of MAINFRAME REAL ESTATE Phone: 407-513-4257
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
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- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
3922 CEDAR HAMMOCK TRAIL, St. Cloud, FL, 34772
$380,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $304,000 | $304,000 | $304,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.615% | 5.952% |
| Monthly Tax Payment | $810 | $810 | $810 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,821 | $1,919 | $2,524 |
| Total Monthly Payment | $2,706 | $2,804 | $3,409 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388