3921 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3921 Baja Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,972 sqft · built 2016
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Feb 2022)
Tax Bill	$5,253 (2025)
Deeds & Mortgages	Nov 2025 Transfer Nov 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`35-26-30-0964-0001-4180`

Property Details

APN / Parcel Number

Primary APN	`35-26-30-0964-0001-4180`
Alternative APN	`263035096400014180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,972 sqft Living Area
Gross Area	2,468 sqft
1st Floor Area	1,972 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	58 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3921 BAJA DR
City	SAINT CLOUD
State	FL
Zip	34772-8153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 418
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	WHALEYS CREEK PH 1
Legal Phase	1
Legal Tract	964
Legal Block	4180
Legal Lot Number	418
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of November 26, 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	3921 BAJA DR, SAINT CLOUD, FL 34772-8153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Correction Deed ACCOMODATION, ACCOMMODATION
Nov 21, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 4, 2022	Warranty Deed, Transfer SIMPLY TITLE LLC
Dec 18, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 18, 2018	Loan Modification, Mortgage · FHA Mortgage RUSHMORE LN MGMT SVCS
Feb 7, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage RESIDENTIAL ACCPTNC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 4, 2022 · Amount on Record
Deed Sale	Feb 4, 2022 · Amount on Record
Prior Sale	Feb 7, 2017 · Amount on Record
Deed Document Number	202218856
Deed Book / Page	6143 / 1524
Last Transfer Date	Nov 25, 2025
Transfer Doc	0068851472
Record Updated	Jun 8, 2026

November 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 26, 2025
Property Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153
Document Number	0068851472
Book / Page	6885 / 1472
Map Reference	MB 6884 PG 275
Instrument Date	Nov 25, 2025
Instrument	2025145532
Record Updated	Dec 10, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3875 CABO ROJO DR, SAINT CLOUD, FL 34772-8373

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2025
Property Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153
Document Number	0068840275
Book / Page	6884 / 275
Map Reference	MB 24 PG 161-167
Instrument Date	Nov 21, 2025
Instrument	2025144122
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 4, 2022
Property Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153
Document Number	0061431524
Book / Page	6143 / 1524
Map Reference	MB 24 PG 161-167
Instrument Date	Jan 7, 2022
Instrument	2022018856
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	SIMPLY TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3921 BAJA DR, 3921, SAINT CLOUD, FL 34772-8153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153
Document Number	0054792049
Instrument Date	Dec 18, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3921 BAJA DR ST CLOUD FL 347728153, ST CLOUD, FL 34772-8153

Mortgage

Document Number	0054792049
Date	Feb 20, 2019
Book Page	005479/002049
Instrument	21639

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2049

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153
Document Number	0054792037
Instrument Date	Dec 18, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3921 BAJA DR ST CLOUD FL 347728153, ST CLOUD, FL 34772-8153

Mortgage

Document Number	0054792037
Date	Feb 20, 2019
Book Page	005479/002037
Instrument	21635

Lender

Name	RUSHMORE LN MGMT SVCS
Type	Funding / Finance Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2049

Interest

Rate	4.75%

February 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2017
Property Address	3921 BAJA DR, SAINT CLOUD, FL 34772-8153
Document Number	0050990435
Book / Page	005099 / 000435
Instrument Date	Feb 6, 2017
Instrument	21283
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 4, 2019
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,567.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3921 BAJA DR ST CLOUD FL 347728153, ST CLOUD, FL 34772-8153

Mortgage

Document Number	50990437
Date	Feb 7, 2017
Book Page	005099/000437
Instrument	21284

Lender

Name	RESIDENTIAL ACCPTNC
Address	TAMPA, FL 33609

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,253.00 (+0.29%) Homeowner's exemption	$336,400 (+0.18%) Land $70,000 Building $266,400	$336,400 (+0.18%) Land $70,000 Building $266,400
2024	$5,238.00 (-10.48%) Homeowner's exemption	$335,800 (+3.42%) Land $70,000 Building $265,800	$335,800 (+3.42%) Land $70,000 Building $265,800
2023	$5,851.00 (+28.54%)	$324,700 (+10.18%) Land $65,000 Building $259,700	$324,700 (+10.18%) Land $65,000 Building $259,700
2022	$4,552.00	$294,700 Land $60,000 Building $234,700	$294,700 Land $60,000 Building $234,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

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: Xfinity.

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