Osceola County property record for 3915 Cabo Rojo Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,859 sqft · built 2018 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $244,917 (Apr 2018) |
| Tax Bill | $3,444 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096500011580 |
| Primary APN | 352630096500011580 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,859 sqft Heated Area |
| Gross Area | 2,353 sqft |
| 1st Floor Area | 1,859 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| 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 | 56 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3915 CABO ROJO DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8375 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 158 |
| 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 | 158 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096500011580
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 | 3915 CABO ROJO DR, SAINT CLOUD, FL 34772-8375 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 02, 2018 | Special Warranty Deed, Transfer · FHA Mortgage CALATLANTIC MORTGAGE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 02, 2018 · Amount on Record |
| Deed Sale | Apr 02, 2018 · Amount on Record |
| Deed Document Number | 2018050872 |
| Deed Book / Page | 5309 / 1808 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3915 CABO ROJO DR, SAINT CLOUD, FL 34772-8375 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3915 CABO ROJO DR, SAINT CLOUD, FL 34772-8375 |
| Document Number | 0058061501 |
|---|---|
| Date | Oct 05, 2020 |
| Book Page | 5806/1501 |
| Instrument | 2020133362 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 02, 2018 |
| Property Address | 3915 CABO ROJO DR, SAINT CLOUD, FL 34772-8375 |
| Document Number | 0053091808 |
| Book / Page | 5309 / 1808 |
| Map Reference | MB25 PG95-101 |
| Instrument Date | Mar 29, 2018 |
| Instrument | 2018050872 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376 |
| Name | Verified Name |
|---|---|
| Address | 3915 CABO ROJO DR, SAINT CLOUD, FL 34772-8375 |
| Document Number | 2018050873 |
|---|---|
| Date | Apr 02, 2018 |
| Instrument | 2018050873 |
| Name | CALATLANTIC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2048 |
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 | $3,444.00 (+6.3%) Homeowner's exemption | $235,339 (+5.99%) | $332,700 (+3.68%) Land $70,000 Building $262,700 |
| 2023 | $3,240.00 (+3.68%) Homeowner's exemption | $222,046 (+3%) | $320,900 (+10.12%) Land $65,000 Building $255,900 |
| 2022 | $3,125.00 Homeowner's exemption | $215,579 | $291,400 Land $60,000 Building $231,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Xfinity.
Based on FCC filings for 322 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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