Osceola County property record for 3907 Baja Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,972 sqft · built 2016 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,900 (May 2017) |
| Tax Bill | $3,491 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096400014080 |
| Primary APN | 352630096400014080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,972 sqft Heated Area |
| Gross Area | 2,468 sqft |
| 1st Floor Area | 1,972 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Finished |
| Garage Area | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 58 sqft |
| Patio Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3907 BAJA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 408 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 2 & 3 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Lot Number | 408 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400014080
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3907 BAJA DR, SAINT CLOUD, FL 34772-8151 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| May 31, 2017 | Grant Deed, Subdivision Related Transfer · FHA Mortgage HOMEWARD RESID'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 2017 · Amount on Record |
| Deed Sale | May 31, 2017 · Amount on Record |
| Deed Document Number | 2017079726 |
| Deed Book / Page | 5156 / 2304 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3907 BAJA DR, SAINT CLOUD, FL 34772-8151 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 3907 BAJA DR, SAINT CLOUD, FL 34772-8151 |
| Document Number | 0059392704 |
|---|---|
| Date | Apr 20, 2021 |
| Book Page | 5939/2704 |
| Instrument | 2021059859 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 31, 2017 |
| Property Address | 3907 BAJA DR, SAINT CLOUD, FL 34772-8151 |
| Document Number | 0051562304 |
| Book / Page | 005156 / 002304 |
| Instrument Date | May 22, 2017 |
| Instrument | 79726 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 04, 2019 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,609.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3907 BAJA DR ST CLOUD FL 347728151, ST CLOUD, FL 34772-8151 |
| Document Number | 51562306 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 005156/002306 |
| Instrument | 79727 |
| Name | HOMEWARD RESID'L |
|---|---|
| Address | ADDISON, TX 75001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 30, 2047 |
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 | $3,491.00 (+6.3%) Homeowner's exemption | $237,938 (+5.99%) | $336,400 (+3.6%) Land $70,000 Building $266,400 |
| 2023 | $3,284.00 (+3.66%) Homeowner's exemption | $224,499 (+3%) | $324,700 (+10.18%) Land $65,000 Building $259,700 |
| 2022 | $3,168.00 Homeowner's exemption | $217,961 | $294,700 Land $60,000 Building $234,700 |
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 500 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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