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3812 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3812 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage2,246 sqft Heated Area
Lot Size7,405 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$277,700 (2019)
Tax Bill$3,950.00 (2025)

Property Details

APN / Parcel Number

Primary APN352630096500011230

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,246 sqft Heated Area
Gross Area3,030 sqft Gross Area
1st Floor2,246 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,405 sqft (0.169 acres)
Garage TypeFinished Garage
Garage Area449 sqft Garage
PorchOpen Porch
Porch Area335 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3812 CABO ROJO DR
CitySAINT CLOUD
StateFL
Zip34772-8372
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 123
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase2
Legal Tract965
Legal Lot Number123
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2011
Census Tract43304

Owner

Source: Osceola County records · APN 352630096500011230

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordTrust Name on File
Co-ownerVerified Secondary Owner
Mailing Address3812 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingOwner is a Trust

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PENNYMAC LOAN SERVICES LLC
Oct 08, 2019Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 08, 2019 · Amount on Record
Deed SaleOct 08, 2019 · Amount on Record
Deed Doc Number2019130103
Deed Book / Page5602 / 1761
Record RefreshedJun 08, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3812 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Transaction TypeMortgage
Record UpdatedMay 02, 2022
Title CompanyCALATLANTIC GROUP INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057791796
DateAug 24, 2020
Book Page5779/1796
Instrument2020111309
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

October 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 08, 2019
Property Address3812 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Document Number0056021761
Book / Page5602 / 1761
Map ReferenceMB 25 PG 95
Instrument DateOct 07, 2019
Instrument2019130103
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,943.90
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412

Transferred To (Grantee/Buyer)

NameVerified Name
Address3812 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0056021765
DateOct 08, 2019
Instrument5602/1765
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,950.00 (+6.21%) Homeowner's exemption$263,561 (+5.99%)$374,700 (+3.48%) Land $70,000 Building $304,700
2023$3,719.00 (+3.56%) Homeowner's exemption$248,674 (+3%)$362,100 (+10.3%) Land $65,000 Building $297,100
2022$3,591.00 Homeowner's exemption$241,432$328,300 Land $60,000 Building $268,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskModerate
above 47% of the US · above 18% of Florida
Wildfire LikelihoodAbout 1 in 1,111 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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