Osceola County property record for 3865 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,064 sqft · built 2019 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Jul 2019) |
| Tax Bill | $3,805 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096500011390 |
| Primary APN | 352630096500011390 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,064 sqft Heated Area |
| Gross Area | 2,947 sqft Gross Area |
| 1st Floor Area | 2,064 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Garage Area | 458 sqft Garage |
| Porch | Open Porch |
| Porch Area | 425 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3865 CABO ROJO DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8373 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 139 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 2 & 3 |
| Legal Phase | 2 |
| Legal Tract | 965 |
| Legal Lot Number | 139 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096500011390
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 Record | Individual Name on File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 3865 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jul 31, 2019 | Special Warranty Deed, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Jul 31, 2019 · Amount on Record |
| Deed Sale | Jul 31, 2019 · Amount on Record |
| Deed Document Number | 2019098559 |
| Deed Book / Page | 5565 / 1701 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3865 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0060951549 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 6095/1549 |
| Instrument | 2021183643 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3865 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 3865 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0058690218 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 5869/218 |
| Instrument | 2021004768 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 31, 2019 |
| Property Address | 3865 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0055651701 |
| Book / Page | 5565 / 1701 |
| Map Reference | MB 25 PG 95 |
| Instrument Date | Jul 29, 2019 |
| Instrument | 2019098559 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3865 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0055651705 |
|---|---|
| Date | Jul 31, 2019 |
| Instrument | 5565/1705 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,805.00 (+6.23%) Homeowner's exemption | $255,466 (+5.99%) | $362,600 (+3.51%) Land $70,000 Building $292,600 |
| 2023 | $3,582.00 (+3.59%) Homeowner's exemption | $241,036 (+3%) | $350,300 (+10.26%) Land $65,000 Building $285,300 |
| 2022 | $3,458.00 Homeowner's exemption | $234,016 | $317,700 Land $60,000 Building $257,700 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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