3815 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3815 Cabo Rojo Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2019
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual on Record
Last Sale	$365,000 (Aug 2021)
Tax Bill	$6,035 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`352630096500011760`

Property Details

APN / Parcel Number

Primary APN	`352630096500011760`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,487 sqft
1st Floor Area	1,859 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	438 sqft
Porch	Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3815 CABO ROJO DR
City	SAINT CLOUD
State	FL
Zip	34772-8373
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 176
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	WHALEYS CREEK PH 1 2 & 3
Legal Phase	2
Legal Tract	965
Legal Lot Number	176
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2014
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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

Owner of Record	Individual on Record
Mailing Address	3815 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 1, 2019	Special Warranty Deed, Transfer · Conventional Mortgage BBVA USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2021 · Amount on Record
Deed Sale	Aug 23, 2021 · Amount on Record
Prior Sale	Nov 1, 2019 · Amount on Record
Deed Document Number	0006028938
Deed Book / Page	6028 / 938
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 23, 2021
Property Address	3815 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Document Number	0060280938
Book / Page	6028 / 938
Map Reference	MB 25 PG 95
Instrument Date	Aug 23, 2021
Instrument	2021130762
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	STRONGHOLD TITLE AGENCY CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3815 CABO ROJO DR, 3815, SAINT CLOUD, FL 34772-8373

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number	6028940
Date	Aug 23, 2021
Instrument	6028/940

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

November 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 1, 2019
Property Address	3815 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Document Number	0056162912
Book / Page	5616 / 2912
Map Reference	MB 25 PG 95
Instrument Date	Oct 28, 2019
Instrument	2019142453
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number	0056162916
Date	Nov 1, 2019
Instrument	5616/2916

Lender

Name	BBVA USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	9.25%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,035.00 (+3.07%)	$337,000 (+3.6%) Land $70,000 Building $267,000	$337,000 (+3.6%) Land $70,000 Building $267,000
2023	$5,855.00 (+9.99%)	$325,300 (+10.2%) Land $65,000 Building $260,300	$325,300 (+10.2%) Land $65,000 Building $260,300
2022	$5,323.00	$295,200 Land $60,000 Building $235,200	$295,200 Land $60,000 Building $235,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 421 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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