3912 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3912 Cabo Rojo Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2018
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$247,338 (Apr 2018)
Tax Bill	$3,629 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352630096500010800`

Property Details

APN / Parcel Number

Primary APN	`352630096500010800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,767 sqft
1st Floor Area	1,859 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3912 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 80
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	80
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2020
Census Tract	43304

Owner

Source: Osceola County records · APN 352630096500010800

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
Co-owner	Verified Secondary Owner
Mailing Address	3912 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jul 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 02, 2018	Special Warranty Deed, Transfer · FHA Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 02, 2018 · Amount on Record
Deed Sale	Apr 02, 2018 · Amount on Record
Deed Document Number	2018050806
Deed Book / Page	5309 / 1404
Record Updated	Jun 08, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3912 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 CABO ROJO DR, SAINT CLOUD, FL 34772-8374

Mortgage

Document Number	0064582232
Date	Aug 16, 2023
Book Page	6458/2232
Instrument	2023107559

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3912 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 CABO ROJO DR, SAINT CLOUD, FL 34772-8374

Mortgage

Document Number	0060122266
Date	Jul 29, 2021
Book Page	6012/2266
Instrument	2021118085

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 02, 2018
Property Address	3912 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Document Number	0053091404
Book / Page	5309 / 1404
Map Reference	MB25 PG95
Instrument Date	Mar 22, 2018
Instrument	2018050806
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,731.80
Amount Accuracy	Full Amount Stated
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	3912 CABO ROJO DR, SAINT CLOUD, FL 34772-8374

Mortgage

Document Number	2018050807
Date	Apr 02, 2018
Instrument	2018050807

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2048

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	$3,629.00 (+11.56%) Homeowner's exemption	$245,664 (+10.27%)	$342,800 (+6.46%) Land $70,000 Building $272,800
2023	$3,253.00 (+3.66%) Homeowner's exemption	$222,789 (+3%)	$322,000 (+10.09%) Land $65,000 Building $257,000
2022	$3,138.00 Homeowner's exemption	$216,300	$292,500 Land $60,000 Building $232,500

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	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 1,667 per year
Exposure	Direct burnable vegetation at the parcel

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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