3920 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3920 Baja Dr, Saint Cloud, FL 34772 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,136 sqft · built 2017
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on File
Last Sale	$312,200 (Aug 2017)
Tax Bill	$4,722 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-26-30-0964-0001-4910`

Property Details

APN / Parcel Number

Primary APN	`35-26-30-0964-0001-4910`
Alternative APN	`263035096400014910`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,136 sqft Living Area
Gross Area	3,951 sqft
1st Floor Area	1,418 sqft
Upper Floors Area	1,718 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	335 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3920 BAJA DR
City	SAINT CLOUD
State	FL
Zip	34772-8152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 491
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	WHALEYS CREEK PH 1
Legal Phase	1
Legal Tract	964
Legal Block	4910
Legal Lot Number	491
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2018
Census Tract	43304

Owner

Source: Osceola County records · APN 35-26-30-0964-0001-4910

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	4901 VINELAND RD, 500, ORLANDO, FL 32811-7383
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · Line of Credit NORTH STATE BANK
Sep 11, 2023	Quit Claim Deed, Transfer PGP TITLE
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 29, 2017	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 29, 2017 · Amount on Record
Deed Sale	Aug 29, 2017 · Amount on Record
Prior Sale	Mar 01, 2016 · Amount on Record
Deed Document Number	2017124908
Deed Book / Page	5201 / 2807
Last Transfer Date	Aug 14, 2023
Transfer Doc	0064711340
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3920 BAJA DR, SAINT CLOUD, FL 34772-8152
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number	0064811808
Date	Sep 29, 2023
Book Page	6481/1808
Instrument	2023127963

Lender

Name	NORTH STATE BANK
Type	Bank
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2023
Property Address	3920 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number	0064711340
Book / Page	6471 / 1340
Map Reference	MB 24 PG 161-167
Instrument Date	Aug 14, 2023
Instrument	2023118777
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	PGP TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3914 BAJA DR, SAINT CLOUD, FL 34772-8152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 500, ORLANDO, FL 32811-7383

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3920 BAJA DR, SAINT CLOUD, FL 34772-8152
Transaction Type	Mortgage
Record Updated	Sep 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number	0060302568
Date	Aug 26, 2021
Book Page	6030/2568
Instrument	2021132991

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2036

August 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 29, 2017
Property Address	3920 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number	0052012807
Book / Page	5201 / 2807
Map Reference	MB24 PG161-167
Instrument Date	Aug 25, 2017
Instrument	2017124908
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,185.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number	0052012809
Date	Aug 29, 2017
Instrument	5201/2809

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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	$4,722.00 (+3.44%)	$306,700 (+5.99%)	$448,300 (+3.44%) Land $70,000 Building $378,300
2024	$4,565.00 (+2.54%)
2023	$4,452.00 (+3.46%) Homeowner's exemption	$289,376 (+3%)	$433,400 (+10.34%) Land $65,000 Building $368,400
2022	$4,303.00 Homeowner's exemption	$280,948	$392,800 Land $60,000 Building $332,800

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 100 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 134 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
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

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