3895 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3895 Cabo Rojo Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,566 sqft · built 2018
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$298,000 (Sep 2018)
Tax Bill	$4,299 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352630096500011540`

Property Details

APN / Parcel Number

Primary APN	`352630096500011540`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,566 sqft Heated Area
Gross Area	3,528 sqft
1st Floor Area	1,048 sqft
Upper Floors Area	1,518 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	500 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3895 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 154
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	154
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2014
Census Tract	43304

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3895 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 4, 2018	Special Warranty Deed, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2018 · Amount on Record
Deed Sale	Sep 4, 2018 · Amount on Record
Deed Document Number	2018133220
Deed Book / Page	5395 / 1228
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3895 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Transaction Type	Mortgage
Record Updated	Jan 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3895 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number	0063380635
Date	Dec 30, 2022
Book Page	6338/635
Instrument	2022186006

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Nov 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3895 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057831002
Date	Aug 28, 2020
Book Page	5783/1002
Instrument	2020114452

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Nov 1, 2048

September 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 4, 2018
Property Address	3895 CABO ROJO DR, SAINT CLOUD, FL 34772-8373
Document Number	0053951228
Book / Page	5395 / 1228
Map Reference	MB25 PG95
Instrument Date	Aug 29, 2018
Instrument	2018133220
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,086.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3895 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

Mortgage

Document Number	2018133221
Date	Sep 4, 2018
Instrument	2018133221

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,299.00 (+6.12%) Homeowner's exemption	$283,099 (+5.99%)	$419,500 (+3.35%) Land $70,000 Building $349,500
2023	$4,051.00 (+3.5%) Homeowner's exemption	$267,108 (+3%)	$405,900 (+10.03%) Land $65,000 Building $340,900
2022	$3,914.00 Homeowner's exemption	$259,329	$368,900 Land $60,000 Building $308,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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