Osceola County property record for 3843 Cabo Rojo Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,566 sqft · built 2019 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $274,100 (Aug 2019) |
| Tax Bill | $4,005 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096500011310 |
| Primary APN | 352630096500011310 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,566 sqft Heated Area |
| Gross Area | 3,136 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 | Open Porch |
| Porch Area | 108 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3843 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 131 |
| 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 | 131 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 43304 |
Source: Osceola County assessment roll, APN 352630096500011310, as of 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 | 3843 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Aug 02, 2019 | Special Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 02, 2019 · Amount on Record |
| Deed Sale | Aug 02, 2019 · Amount on Record |
| Deed Document Number | 2019100286 |
| Deed Book / Page | 5567 / 2010 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3843 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3843 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0060211828 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 6021/1828 |
| Instrument | 2021125179 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Aug 01, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 02, 2019 |
| Property Address | 3843 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0055672010 |
| Book / Page | 5567 / 2010 |
| Map Reference | MB 25 PG 95 |
| Instrument Date | Jul 29, 2019 |
| Instrument | 2019100286 |
| 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 | $1,918.70 |
| 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 | 3843 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0055672014 |
|---|---|
| Date | Aug 02, 2019 |
| Instrument | 5567/2014 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2049 |
Source: Osceola County assessment roll as of 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 | $4,005.00 (+6.18%) Homeowner's exemption | $266,680 (+5.99%) | $398,300 (+3.43%) Land $70,000 Building $328,300 |
| 2023 | $3,772.00 (+3.54%) Homeowner's exemption | $251,617 (+3%) | $385,100 (+10.25%) Land $65,000 Building $320,100 |
| 2022 | $3,643.00 Homeowner's exemption | $244,289 | $349,300 Land $60,000 Building $289,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| 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, 421 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Xfinity.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures