Osceola County property record for 3846 Cabo Rojo Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,439 sqft · built 2020 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Oct 2022) |
| Tax Bill | $14,693 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Oct 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-26-30-0965-0001-1070 |
| Primary APN | 35-26-30-0965-0001-1070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,439 sqft Living Area |
| Gross Area | 3,476 sqft |
| 1st Floor Area | 2,439 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Porch | Florida Room |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3846 CABO ROJO DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8372 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 107 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 107 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 35-26-30-0965-0001-1070
Assessment roll updated November 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3846 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Oct 24, 2022 | Warranty Deed, Transfer · FHA Mortgage READY MORTGAGE LENDERS LLC |
| May 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS INC |
| Feb 21, 2020 | Grant Deed, Transfer CALATLANTIC TITLE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 24, 2022 · Amount on Record |
| Deed Sale | Oct 24, 2022 · Amount on Record |
| Prior Sale | Feb 21, 2020 · Amount on Record |
| Deed Document Number | 2022156945 |
| Deed Book / Page | 6304 / 2266 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3846 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3846 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Document Number | 0065402089 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 6540/2089 |
| Instrument | 2024011559 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85284 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Nov 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 24, 2022 |
| Property Address | 3846 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Document Number | 0063042266 |
| Book / Page | 6304 / 2266 |
| Map Reference | MB 25 PG 95-101 |
| Instrument Date | Oct 21, 2022 |
| Instrument | 2022156945 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2022 |
| Title Company | NOT AVAILABLE, TRADITIONS T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,220.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3467 ALLEGRA CIR, 3467, SAINT CLOUD, FL 34772-6718 |
| Name | Verified Name |
|---|---|
| Address | 3846 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Document Number | 0063042268 |
|---|---|
| Date | Oct 24, 2022 |
| Instrument | 6304/2268 |
| Name | READY MORTGAGE LENDERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3846 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3846 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Document Number | 0062190500 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 6219/500 |
| Instrument | 2022081149 |
| Name | TOWN SQUARE MORTGAGE & INVESTMENTS INC |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75248 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 21, 2020 |
| Property Address | 3846 CABO ROJO DR, SAINT CLOUD, FL 34772-8372 |
| Document Number | 0056781607 |
| Book / Page | 005678 / 001607 |
| Instrument Date | Feb 12, 2020 |
| Instrument | 26013 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2020 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3846 CABO ROJO DR ST CLOUD FL 347728372, ST CLOUD, FL 34772-8372 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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 | $14,693.00 (+9.28%) Homeowner's exemption | $420,400 (+3.34%) Land $70,000 Building $350,400 | $420,400 (+3.34%) Land $70,000 Building $350,400 |
| 2023 | $13,445.00 (+128.38%) Homeowner's exemption | $406,800 (+10.3%) Land $65,000 Building $341,800 | $406,800 (+10.3%) Land $65,000 Building $341,800 |
| 2022 | $5,887.00 Homeowner's exemption | $368,800 Land $60,000 Building $308,800 | $368,800 Land $60,000 Building $308,800 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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.
Based on FCC filings for 421 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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.
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