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3866 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3866 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,565 sqft · built 2020
Lot Size0.19 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$429,400 (Nov 2025)
Tax Bill$7,041 (2025)
Deeds & MortgagesJan 2025 Mortgage
Nov 2025 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN35-26-30-0965-0001-0990

Property Details

APN / Parcel Number

Primary APN35-26-30-0965-0001-0990
Alternative APN
  • 263035096500010990

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,565 sqft Living Area
Gross Area3,276 sqft
1st Floor Area2,565 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Garage Area681 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3866 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 99
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 2
Legal Phase2
Legal Block990
Legal Lot Number99
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2020
Census Tract43304

Owner

Source: Osceola County records · APN 35-26-30-0965-0001-0990

Assessment roll updated November 26, 2025 · Last verified August 2026

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 Address3866 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Woman

Deeds, Mortgages & Sale History

DateDocument
Jan 29, 2025Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Nov 04, 2025Warranty Deed, Transfer · Commercial Mortgage
CHAMPIONS FUNDING LLC
Mar 05, 2020Special Warranty Deed, Transfer · FHA Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 04, 2025 · Amount on Record
Deed SaleNov 04, 2025 · Amount on Record
Prior SaleMar 05, 2020 · Amount on Record
Deed Document Number2025136883
Deed Book / Page6875 / 2732
Record UpdatedSep 20, 2026

January 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3866 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Transaction TypeMortgage
Record UpdatedApr 02, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3866 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0067320946
DateJan 29, 2025
Book Page6732/946
Instrument2025011863
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term302 Months
DueMar 01, 2050

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 04, 2025
Property Address3866 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Document Number0068752732
Book / Page6875 / 2732
Map ReferenceMB 25 PG 95-101
Instrument DateOct 27, 2025
Instrument2025136883
Transaction TypeTransfer
Record UpdatedApr 02, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,005.80
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address566 KOALA DR, KISSIMMEE, FL 34759-4210

Transferred To (Grantee/Buyer)

NameVerified Name
Address3866 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0068752734
DateNov 04, 2025
Instrument6875/2734
Lender
NameCHAMPIONS FUNDING LLC
TypeMortgage Company
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

March 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 05, 2020
Property Address3866 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Document Number0056860966
Book / Page5686 / 966
Map ReferenceMB 25 PG 95
Instrument DateFeb 20, 2020
Instrument2020032275
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,109.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

NameVerified Name
Address3866 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0056860970
DateMar 05, 2020
Instrument5686/0970
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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$7,041.00 (+6.96%)$418,000 (+0.22%) Land $70,000 Building $348,000$418,000 (+0.22%) Land $70,000 Building $348,000
2024$6,583.00 (+6.45%)$417,100 (+3.17%) Land $70,000 Building $347,100$417,100 (+3.17%) Land $70,000 Building $347,100
2023$6,184.00 (+1%)$404,300 (+10.28%) Land $65,000 Building $339,300$404,300 (+10.28%) Land $65,000 Building $339,300
2022$5,622.00$366,600 Land $60,000 Building $306,600$366,600 Land $60,000 Building $306,600

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
33 of 36 on primary residences

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.

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