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3856 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3856 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 2019
Square Footage2,932 sqft Heated Area
Lot Size15,246 sqft (0.35 acres)
OccupancyOwner Occupied
Last Sale$361,000 (2019)
Tax Bill$4.00 (2025)

Property Details

APN / Parcel Number

Primary APN352630096500011020

Interior

Bedrooms4 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area2,932 sqft Heated Area
Gross Area3,675 sqft Gross Area
1st Floor2,932 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 Area15,246 sqft (0.35 acres)
Garage TypeFinished Garage
Garage Area708 sqft Garage
PorchOpen Porch
Porch Area35 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3856 CABO ROJO DR
CitySAINT CLOUD
StateFL
Zip34772-8372
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 102
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase2
Legal Tract965
Legal Lot Number102
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2011
Census Tract43304

Owner

Source: Osceola County records · APN 352630096500011020

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
Mailing Address3856 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 29, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
PENNYMAC LOAN SERVICES LLC
Oct 30, 2019Special Warranty Deed, Transfer · Veterans Administration Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 30, 2019 · Amount on Record
Deed SaleOct 30, 2019 · Amount on Record
Deed Doc Number2019140744
Deed Book / Page5614 / 2204
Record RefreshedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3856 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Transaction TypeMortgage
Record UpdatedMay 02, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3856 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0060951176
DateNov 29, 2021
Book Page6095/1176
Instrument2021183544
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term359 Months
DueOct 01, 2051

October 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 30, 2019
Property Address3856 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Document Number0056142204
Book / Page5614 / 2204
Map ReferenceMB 25 PG 95
Instrument DateOct 25, 2019
Instrument2019140744
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,527.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2300 CENTER PARKWAY #320320, 2300, MAITLAND, FL 32751

Transferred To (Grantee/Buyer)

NameVerified Name
Address3855 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number0056142208
DateOct 30, 2019
Instrument5614/2208
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueNov 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$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$307,613 (+5.99%)$445,400 (+3.34%) Land $70,000 Building $375,400
2023$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$290,237 (+3%)$431,000 (+10.29%) Land $65,000 Building $366,000
2022$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$281,784$390,800 Land $60,000 Building $330,800

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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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