Osceola County property record for 3820 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2019 |
| Square Footage | 2,662 sqft Living Area |
| Lot Size | 7,405 sqft (0.17 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $299,100 (2019) |
| Tax Bill | $4,248.00 (2024) |
| Primary APN | 35-26-30-0965-0001-1190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,662 sqft Living Area |
| Gross Area | 3,311 sqft Gross Area |
| 1st Floor | 2,662 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached Garage |
| Garage Area | 447 sqft Garage |
| Porch Area | 202 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3820 CABO ROJO DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8372 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 119 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 119 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 35-26-30-0965-0001-1190
Assessment roll updated November 26, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3820 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 07, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Mar 24, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LOANS LLC |
| Nov 14, 2019 | Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 14, 2019 · Amount on Record |
| Deed Sale | Nov 14, 2019 · Amount on Record |
| Prior Sale | Jan 01, 2017 · Amount on Record |
| Deed Doc Number | 2019148526 |
| Deed Book / Page | 5623 / 2422 |
| Prior Transfer Date | Apr 14, 1992 |
| Prior Transfer Doc | 0000026170 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3820 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3820 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Document Number | 0063671624 |
|---|---|
| Date | Mar 07, 2023 |
| Book Page | 6367/1624 |
| Instrument | 2023026170 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 01, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3820 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 3820 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Document Number | 0059191626 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 5919/1626 |
| Instrument | 2021044051 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 14, 2019 |
| Property Address | 3820 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Document Number | 0056232422 |
| Book / Page | 5623 / 2422 |
| Map Reference | MB 25 PG 95 |
| Instrument Date | Nov 04, 2019 |
| Instrument | 2019148526 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,093.70 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 CENTER PARKWAY #320320, 2300, MAITLAND, FL 32751 |
| Name | Verified Name |
|---|---|
| Address | 3820 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Document Number | 0056232426 |
|---|---|
| Date | Nov 14, 2019 |
| Instrument | 5623/2426 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,395.00 (+3.46%) Homeowner's exemption | $288,458 (+5.99%) | $407,700 (+3.42%) Land $70,000 Building $337,700 |
| 2024 | $4,248.00 (+2.56%) | ||
| 2023 | $4,142.00 (+3.5%) Homeowner's exemption | $272,165 (+3%) | $394,200 (+10.23%) Land $65,000 Building $329,200 |
| 2022 | $4,002.00 Homeowner's exemption | $264,238 | $357,600 Land $60,000 Building $297,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Moderate above 52% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 971 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures