3904 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3904 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,565 sqft · built 2019
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$299,300 (Sep 2019)
Tax Bill	$6,975 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352630096500010840`

Property Details

APN / Parcel Number

Primary APN	`352630096500010840`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,565 sqft Heated Area
Gross Area	3,616 sqft
1st Floor Area	2,565 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Finished
Garage Area	681 sqft
Porch	Open Porch
Porch Area	30 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3904 CABO ROJO DR
City	SAINT CLOUD
State	FL
Zip	34772-8374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 84
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	84
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2020
Census Tract	43304

Owner

Source: Osceola County records · APN 352630096500010840

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
Mailing Address	3904 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 20, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 10, 2019	Special Warranty Deed, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 10, 2019 · Amount on Record
Deed Sale	Sep 10, 2019 · Amount on Record
Deed Document Number	2019116381
Deed Book / Page	5586 / 1711
Record Updated	Jun 08, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3904 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Transaction Type	Mortgage
Record Updated	Feb 14, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3904 CABO ROJO DR, SAINT CLOUD, FL 34772-8374

Mortgage

Document Number	0063501524
Date	Jan 30, 2023
Book Page	6350/1524
Instrument	2023011160

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Feb 01, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3904 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3904 CABO ROJO DR, SAINT CLOUD, FL 34772-8374

Mortgage

Document Number	0058731890
Date	Jan 20, 2021
Book Page	5873/1890
Instrument	2021008475

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

September 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 10, 2019
Property Address	3904 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Document Number	0055861711
Book / Page	5586 / 1711
Map Reference	MB 25 PG 95
Instrument Date	Aug 29, 2019
Instrument	2019116381
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,095.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2300 MAITLAND CENTER PKWY # 320320, 2300, MAITLAND, FL 32751-4129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3904 CABO ROJO DR, SAINT CLOUD, FL 34772-8374

Mortgage

Document Number	0055861715
Date	Sep 10, 2019
Instrument	5586/1715

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$6,975.00 (+8.64%) Homeowner's exemption	$432,600 (+3.3%) Land $70,000 Building $362,600	$432,600 (+3.3%) Land $70,000 Building $362,600
2023	$6,420.00 (+9.95%)	$418,800 (+10.12%) Land $65,000 Building $353,800	$418,800 (+10.12%) Land $65,000 Building $353,800
2022	$5,839.00	$380,300 Land $60,000 Building $320,300	$380,300 Land $60,000 Building $320,300

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Wildfire

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; 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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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