Welcome to 3922 Cedar Hammock Trail - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Designed for entertaining - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Filled with Natural Light - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Larger lot size - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Tropical Landscaping - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Side Facing Garage & Extended Driveway - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Welcome Entryway - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Large Living Space - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Large Living Area - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Open, Flexible Floor Plan - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Single Family Residence at 3922 CEDAR HAMMOCK TRL, ST CLOUD, photo 11 of 40
Formal Dining Area, Open to Kitchen - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Beautiful Kitchen with bar area - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Kitchen Open to Living Space - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Kitchen Nook - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Plenty of Cabinet Space - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Cooktop Stove, Oven Wall Unit - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Kitchen Closet Pantry - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Large Kitchen Nook - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Leading to backyard - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Primary Bedroom - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Large, Open Bedroom - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Primary En-Suite Bathroom - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Shower & Bathroom Tub - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Primary, Walk-in Closet - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Bedroom 2 - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Bedroom 2, Built-In Closet - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Hallway Bathroom - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Bedroom 3 - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Bedroom 3, Built-In Closet - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Inside Laundry Room - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Covered Lanai - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Large, Fenced in Backyard - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Large Shade Tree, Fruit Tree - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Curb Appeal - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Single Family Residence at 3922 CEDAR HAMMOCK TRL, ST CLOUD, photo 36 of 40
Single Family Residence at 3922 CEDAR HAMMOCK TRL, ST CLOUD, photo 37 of 40
Stevens Plantation - 3922 CEDAR HAMMOCK TRL, ST CLOUD
Single Family Residence at 3922 CEDAR HAMMOCK TRL, ST CLOUD, photo 39 of 40
Single Family Residence at 3922 CEDAR HAMMOCK TRL, ST CLOUD, photo 40 of 40
40 photos

$380,000

3922 CEDAR HAMMOCK TRL
ST CLOUD, FL 34772
Listed by Carla Trine · MAINFRAME REAL ESTATE
Bedrooms
3
Bathrooms
2
Living area
1,895 sqft
Year built
2007

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.

Property details

MLS #
MFRO6417320
Property type
Single Family Residence
Subdivision
STEVENS PLANTATION
Status
Active
Days on market
49
On market date
June 29, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
2
Parking spaces
N/A
Lot size
0.22 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
ST. CLOUD ELEMENTARY SCHOOL
0.88 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
806
Student:teacher ratio
14.9:1
District
OSCEOLA
Middle
ST. CLOUD MIDDLE SCHOOL
2.08 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,188
Student:teacher ratio
16.1:1
District
OSCEOLA
High
OSCEOLA TECHNICAL COLLEGE ST CLOUD CAMPUS
1.46 mi away · Grades 11-12
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
0
Student:teacher ratio
0.0:1
District
OSCEOLA

Walkability

Blended score for ST CLOUD's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

41
Somewhat walkable
out of 100
EPA National Walkability Index
7.5 / 20 -- Below average walkable
Google Places amenity density
45 / 100
Restaurants & cafes8
Grocery stores1
Parks0
Schools3
Transit stops0
Pharmacies1

Market position

How this listing compares to current activity in ST CLOUD, from live MLS data.

On the market 49 days -- 63 fewer days than ST CLOUD's current average of 112 days.
For reference, the median list price across 1,876 active listings in ST CLOUD right now is $375,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,438/mo
$76,000 down
$304,000 loan
Principal & interest$1,972
Property tax (est.)$317
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated August 17, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.