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3922 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3922 Baja Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,972 sqft Heated Area
Lot Size7,405 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$395,000 (2022)
Tax Bill$5,463.00 (2025)

Property Details

APN / Parcel Number

Primary APN352630096400014900

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,972 sqft Heated Area
Gross Area2,588 sqft Gross Area
1st Floor1,972 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,405 sqft (0.169 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area438 sqft Garage
FenceFence
PorchOpen Porch
Porch Area178 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3922 BAJA DR
CitySAINT CLOUD
StateFL
Zip34772-8152
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 490
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase1
Legal Tract964
Legal Lot Number490
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2018
Census Tract43304

Owner

Source: Osceola County records · APN 352630096400014900

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3922 BAJA DR, SAINT CLOUD, FL 34772-8152
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 05, 2022Warranty Deed, Transfer
SIMPLY TITLE LLC, SIMPLY TITLE LLC KISSIMMEE
Dec 30, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV
Dec 30, 2019Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage
HOME PT FIN'L
May 16, 2018Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 05, 2022 · Amount on Record
Deed SaleMay 05, 2022 · Amount on Record
Prior SaleMay 16, 2018 · Amount on Record
Deed Doc Number2022072008
Deed Book / Page6208 / 2055
Record RefreshedJun 08, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 05, 2022
Property Address3922 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number0062082055
Book / Page6208 / 2055
Map ReferenceMB 24 PG 161-167
Instrument DateMar 28, 2022
Instrument2022072008
Transaction TypeTransfer
Record UpdatedMay 19, 2022
Title CompanySIMPLY TITLE LLC, SIMPLY TITLE LLC KISSIMMEE

Transaction

AmountAmount Recorded
Tax$2,765.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3922 BAJA DR, 3922, SAINT CLOUD, FL 34772-8152

Transferred To (Grantee/Buyer)

NameVerified Name
Address3922 BAJA DR, SAINT CLOUD, FL 34772-8152

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3922 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number0056691178
Instrument DateDec 30, 2019
Transaction TypeMortgage
Record UpdatedFeb 25, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3922 BAJA DR ST CLOUD FL 347728152, ST CLOUD, FL 34772-8152

Mortgage

Document Number0056691178
DateFeb 04, 2020
Book Page005669/001178
Instrument17736
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 03, 2050

December 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3922 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number0056691170
Instrument DateDec 30, 2019
Transaction TypeMortgage
Record UpdatedFeb 25, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3922 BAJA DR ST CLOUD FL 347728152, ST CLOUD, FL 34772-8152

Mortgage

Document Number0056691170
DateFeb 04, 2020
Book Page005669/001170
Instrument17735
Lender
NameHOME PT FIN'L
AddressFARMERS BRANCH, TX 75234
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 03, 2050
Interest
Rate TypeFixed Rate
Rate4.12%

May 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 16, 2018
Property Address3922 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number0053351284
Book / Page5335 / 1284
Map ReferenceMB24 PG161-167
Instrument DateMay 15, 2018
Instrument2018077925
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyPGP TITLE OF FLORIDA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,757.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

NameVerified Name
Address3922 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number2018077926
DateMay 16, 2018
Instrument2018077926
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,463.00 (+3.19%) Homeowner's exemption$348,100 (+3.57%) Land $70,000 Building $278,100$348,100 (+3.57%) Land $70,000 Building $278,100
2023$5,294.00 (+60.72%) Homeowner's exemption$336,100 (+49.41%) Land $65,000 Building $271,100$336,100 (+10.02%) Land $65,000 Building $271,100
2022$3,294.00 Homeowner's exemption$224,952$305,500 Land $60,000 Building $245,500

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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