1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Cabo Rojo Dr

3851 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3851 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,859 sqft · built 2019
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on File
Last Sale$250,000 (May 2019)
Tax Bill$3,369 (2025)
Deeds & MortgagesDec 2019 Mortgage
May 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN352630096500011350

Property Details

APN / Parcel Number

Primary APN352630096500011350

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,859 sqft Heated Area
Gross Area2,767 sqft
1st Floor Area1,859 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeFinished
Garage Area438 sqft
PorchOpen Porch
Porch Area470 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3851 CABO ROJO DR
CitySAINT CLOUD
StateFL
Zip34772-8373
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 135
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase2
Legal Tract965
Legal Lot Number135
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2014
Census Tract43304

Owner

Source: Osceola County records · APN 352630096500011350

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-ownerVerified Secondary Owner
Mailing Address3851 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 03, 2019Deed of Trust, Mortgage · Conventional Mortgage
UNION HOME MORTGAGE CORP
May 03, 2019Special Warranty Deed, Transfer · ARM
ACC MORTGAGE INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 03, 2019 · Amount on Record
Deed SaleMay 03, 2019 · Amount on Record
Deed Document Number2019057722
Deed Book / Page5519 / 0656
Record UpdatedJun 08, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3851 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056331329
DateDec 03, 2019
Book Page5633/1329
Instrument2019156341
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
AddressSTRONGSVILLE, OH 44136
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2049

May 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address3851 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Document Number0055190656
Book / Page5519 / 0656
Map ReferenceMB 25 PG 95
Instrument DateApr 29, 2019
Instrument2019057722
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
Address3851 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number2019057723
DateMay 03, 2019
Instrument2019057723
Lender
NameACC MORTGAGE INC
TypeMortgage Company
Agreement
TypeARM
AmountAmount Recorded
Term360 Months
DueMay 01, 2049
Interest
Rate TypeAdjustable Rate
Rate6.87%
AdjustableAdjustable Rate Rider
Type Change DateMay 01, 2022
Change FrequencyAnnually
Min Rate At Change5%
Max Rate At Change8.87%
Index1-Year LIBOR
Margin5
Max Rate12.8%

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$3,369.00 (+6.72%) Homeowner's exemption Senior Citizen's exemption$242,760 (+5.99%)$343,900 (+3.58%) Land $70,000 Building $273,900
2023$3,157.00 (+3.88%) Homeowner's exemption Senior Citizen's exemption$229,048 (+3%)$332,000 (+10.23%) Land $65,000 Building $267,000
2022$3,039.00 Homeowner's exemption Senior Citizen's exemption$222,377$301,200 Land $60,000 Building $241,200

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 36 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 in force

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

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

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (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.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Cabo Rojo Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures