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3849 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3849 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage1,859 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$385,000 (2025)
Tax Bill$3,495.00 (2025)

Property Details

APN / Parcel Number

Primary APN352630096500011340

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,859 sqft Heated Area
Gross Area2,487 sqft Gross Area
1st Floor1,859 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished Garage
Garage Area438 sqft Garage
PorchOpen Porch
Porch Area190 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3849 CABO ROJO DR
CitySAINT CLOUD
StateFL
Zip34772-8373
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 134
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase2
Legal Tract965
Legal Lot Number134
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2014
Census Tract43304

Owner

Source: Osceola County records · APN 352630096500011340

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 RecordIndividual Name on File
Co-owner2 Verified Secondary Owners
Mailing Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 30, 2024Deed of Trust, Mortgage · Stand Alone Second Mortgage
OSCEOLA COUNTY
May 16, 2022Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PENNYMAC LOAN SERVICES LLC
Sep 09, 2025Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
TOWNE MORTGAGE CO
May 03, 2019Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleSep 09, 2025 · Amount on Record
Deed SaleSep 09, 2025 · Amount on Record
Prior SaleMay 03, 2019 · Amount on Record
Deed Doc Number2025111806
Deed Book / Page6846 / 1847
Record RefreshedJun 08, 2026

August 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Transaction TypeMortgage
Record UpdatedOct 22, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number0066572528
DateAug 30, 2024
Book Page6657/2528
Instrument2024112417
Lender
NameOSCEOLA COUNTY
TypeGovernment Agency
AddressKISSIMMEE, FL 34741
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Transaction TypeMortgage
Record UpdatedOct 22, 2025
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number0062140587
DateMay 16, 2022
Book Page6214/587
Instrument2022076536
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term324 Months
DueMay 01, 2049

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 09, 2025
Property Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Document Number0068461847
Book / Page6846 / 1847
Map ReferenceMB 25 PG 95
Instrument DateSep 04, 2025
Instrument2025111806
Transaction TypeTransfer
Record UpdatedOct 22, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,695.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Transferred To (Grantee/Buyer)

NameVerified Name
Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number0068461849
DateSep 09, 2025
Instrument6846/1849
Lender
NameTOWNE MORTGAGE CO
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

May 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Document Number0055190980
Book / Page5519 / 0980
Map ReferenceMB 25 PG 95
Instrument DateApr 29, 2019
Instrument2019057830
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,733.90
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412

Transferred To (Grantee/Buyer)

NameVerified Name
Address3849 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number2019057831
DateMay 03, 2019
Instrument2019057831
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,495.00 (+3.56%) Homeowner's exemption$238,149 (+2.9%)$337,000 (+0.27%) Land $70,000 Building $267,000
2024$3,375.00 (+2.68%) Homeowner's exemption$231,438 (+3%)$336,100 (+3.32%) Land $70,000 Building $266,100
2023$3,287.00 (+3.63%) Homeowner's exemption$224,698 (+3%)$325,300 (+10.2%) Land $65,000 Building $260,300
2022$3,172.00 Homeowner's exemption$218,154$295,200 Land $60,000 Building $235,200

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskModerate
above 52% of the US · above 23% of Florida
Wildfire LikelihoodAbout 1 in 971 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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