Osceola County property record for 3835 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,566 sqft · built 2019 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,800 (Nov 2019) |
| Tax Bill | $4,234 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096500011270 |
| Primary APN | 352630096500011270 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,566 sqft Heated Area |
| Gross Area | 3,516 sqft |
| 1st Floor Area | 1,048 sqft |
| Upper Floors Area | 1,518 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| 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 | 462 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 488 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3835 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 127 |
| 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 | 127 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096500011270
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3835 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 08, 2019 | Special Warranty Deed, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 08, 2019 · Amount on Record |
| Deed Sale | Nov 08, 2019 · Amount on Record |
| Deed Document Number | 2019145905 |
| Deed Book / Page | 5620 / 2461 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3835 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3835 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0059611696 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 5961/1696 |
| Instrument | 2021077025 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 08, 2019 |
| Property Address | 3835 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0056202461 |
| Book / Page | 5620 / 2461 |
| Map Reference | MB 25 PG 95 |
| Instrument Date | Nov 04, 2019 |
| Instrument | 2019145905 |
| 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 | $2,098.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412 |
| Name | Verified Name |
|---|---|
| Address | 3835 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0056202465 |
|---|---|
| Date | Nov 08, 2019 |
| Instrument | 5620/2465 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $4,234.00 (+6.14%) Homeowner's exemption | $279,449 (+5.99%) | $417,900 (+3.39%) Land $70,000 Building $347,900 |
| 2023 | $3,989.00 (+3.5%) Homeowner's exemption | $263,665 (+3%) | $404,200 (+10.29%) Land $65,000 Building $339,200 |
| 2022 | $3,854.00 Homeowner's exemption | $255,986 | $366,500 Land $60,000 Building $306,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 36 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 421 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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