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3874 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3874 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,565 sqft · built 2019
Lot Size0.169 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$440,000 (Nov 2022)
Tax Bill$6,923 (2025)
Deeds & MortgagesNov 2022 Sale & Mortgage
Apr 2022 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN352630096500010950

Property Details

APN / Parcel Number

Primary APN352630096500010950

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,565 sqft Heated Area
Gross Area3,576 sqft
1st Floor Area2,565 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Garage TypeFinished
Garage Area681 sqft
PorchOpen Porch
Porch Area330 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3874 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 95
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase2
Legal Tract965
Legal Lot Number95
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2020
Census Tract43304

Owner

Source: Osceola County records · APN 352630096500010950

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 Record2 Individual Names on File
Co-owner2 Verified Secondary Owners
Mailing Address3874 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 04, 2022Warranty Deed, Transfer · Conventional Mortgage
NAVY FCU
Apr 20, 2022Warranty Deed, Transfer
OS NATIONAL LLC
Aug 22, 2019Special Warranty Deed, Transfer · VA Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names4 Verified Names on Deed
Last SaleNov 04, 2022 · Amount on Record
Deed SaleNov 04, 2022 · Amount on Record
Prior SaleApr 20, 2022 · Amount on Record
Deed Document Number2022162210
Deed Book / Page6311 / 124
Record UpdatedJun 08, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 04, 2022
Property Address3874 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Document Number0063110124
Book / Page6311 / 124
Map ReferenceMB 25 PG 95-101
Instrument DateNov 01, 2022
Instrument2022162210
Transaction TypeTransfer
Record UpdatedNov 22, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,080.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3874 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0006311126
DateNov 04, 2022
Instrument6311/126
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2052
Interest
Rate TypeAdjustable Rate
Rate4.62%
Type Change DateNov 01, 2025
Change Frequency5 Years
Min Rate At Change2.62%
Max Rate At Change6.62%
Index5-Year TN
Margin2
Max Rate9.62%

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 20, 2022
Property Address3874 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Document Number0061971069
Book / Page6197 / 1069
Map ReferenceMB 25 PG 95-101
Instrument DateApr 13, 2022
Instrument2022061953
Transaction TypeTransfer
Record UpdatedJul 01, 2026
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$3,165.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2418 CASONA LN APT 7112, 7112, MELBOURNE, FL 32940-7580

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
InvestorPossibly a Property Investor

August 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 22, 2019
Property Address3874 CABO ROJO DR, SAINT CLOUD, FL 34772-8372
Document Number0055771494
Book / Page5577 / 1494
Map ReferenceMB 25 PG 95
Instrument DateAug 20, 2019
Instrument2019108756
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
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
Address3874 CABO ROJO DR, SAINT CLOUD, FL 34772-8372

Mortgage

Document Number0055771501
DateAug 22, 2019
Instrument5577/1501
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 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$6,923.00 (+2.85%) Homeowner's exemption$429,700 (+3.32%) Land $70,000 Building $359,700$429,700 (+3.32%) Land $70,000 Building $359,700
2023$6,731.00 (+16.25%) Homeowner's exemption$415,900 (+10.2%) Land $65,000 Building $350,900$415,900 (+10.2%) Land $65,000 Building $350,900
2022$5,790.00$377,400 Land $60,000 Building $317,400$377,400 Land $60,000 Building $317,400

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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