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3860 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3860 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,668 sqft · built 2019
Lot Size0.189 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$438,000 (Jul 2025)
Tax Bill$4,353 (2025)
Deeds & MortgagesAug 2025 Second Mortgage
Feb 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN352630096500011000

Property Details

APN / Parcel Number

Primary APN352630096500011000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,668 sqft Heated Area
Gross Area3,325 sqft
1st Floor Area2,668 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.189 acres)
Garage TypeFinished
Garage Area441 sqft

Exterior Amenities

Pool Area300 sqft
PorchOpen Porch
Porch Area66 sqft
Deck Area950 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3860 CABO ROJO DR
CitySAINT CLOUD
StateFL
Zip34772-8372
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 100
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase2
Legal Tract965
Legal Lot Number100
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2011
Census Tract43304

Owner

Source: Osceola County records · APN 352630096500011000

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 Address3919 CABO ROJO DR, SAINT CLOUD, FL 34772-8375
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 05, 2025Deed of Trust, Mortgage · Stand-Alone Second Mortgage
SERVICE FCU
Feb 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
RP FUNDING INC
Jul 31, 2019Special Warranty Deed, Transfer · Conventional Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 03, 2025 · Amount on Record
Deed SaleJul 03, 2025 · Amount on Record
Prior SaleJun 10, 2025 · Amount on Record
Deed Document Number2025083313
Deed Book / Page6813 / 2665
Record UpdatedJun 08, 2026

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3860 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyCOVIUS SETTLEMENT SERVICES LLC, COVIUS STLMT SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3832 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0068300690
DateAug 05, 2025
Book Page6830/690
Instrument2025097331
Lender
NameSERVICE FCU
TypeCredit Union
AddressPORTSMOUTH, NH 03801
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term180 Months
DueAug 01, 2040

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3860 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3860 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0058952293
DateFeb 22, 2021
Book Page5895/2293
Instrument2021025163
Lender
NameRP FUNDING INC
TypeMortgage Company
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

July 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 31, 2019
Property Address3860 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Document Number0055651789
Book / Page5565 / 1789
Map ReferenceMB 25 PG 95
Instrument DateJul 30, 2019
Instrument2019098574
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,080.40
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
Address3860 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0055651793
DateJul 31, 2019
Instrument5565/1793
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 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$4,353.00 (+6.12%) Homeowner's exemption$286,094 (+5.99%)$435,200 (+3.5%) Land $70,000 Building $365,200
2023$4,102.00 (+22.05%) Homeowner's exemption$269,934 (+18.04%)$420,500 (+20.11%) Land $65,000 Building $355,500
2022$3,361.00 Homeowner's exemption$228,674$350,100 Land $60,000 Building $290,100

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

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 322 locations within about half a mile of this property

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

May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

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