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3922 Cabo Rojo Dr, Saint Cloud, FL 34772 Property Records

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

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage2,064 sqft Heated Area
Lot Size6,534 sqft (0.15 acres)
OccupancyOwner Occupied
Last Sale$254,435 (2018)
Tax Bill$2,513.00 (2025)

Property Details

APN / Parcel Number

Primary APN352630096500010750

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,064 sqft Heated Area
Gross Area2,667 sqft Gross Area
1st Floor2,064 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,534 sqft (0.15 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area458 sqft Garage

Exterior Amenities

FenceFence
Patio Area144 sqft Patio
PorchOpen Porch
Porch Area145 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3922 CABO ROJO DR
CitySAINT CLOUD
StateFL
Zip34772-8374
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 75
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase2
Legal Tract965
Legal Lot Number75
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2020
Census Tract43304

Owner

Source: Osceola County records · APN 352630096500010750

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 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 05, 2023Deed of Trust, Mortgage · Commercial Mortgage
SOUTH STATE BANK NA
Apr 17, 2020Deed of Trust, Mortgage · Conventional Mortgage
CITIZENS BANK NA
Oct 04, 2019Deed of Trust, Mortgage · Commercial Mortgage
CENTERSTATE BANK
Dec 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB
Jan 17, 2018Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CALATLANTIC MORTGAGE LNC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 17, 2018 · Amount on Record
Deed SaleJan 17, 2018 · Amount on Record
Deed Doc Number2018009125
Deed Book / Page5270 / 1788
Record RefreshedJun 08, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3922 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Transaction TypeMortgage
Record UpdatedJan 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3922 CABO ROJO DR, SAINT CLOUD, FL 34772-8374

Mortgage

Document Number0063402049
DateJan 05, 2023
Book Page6340/2049
Instrument2023001732
Lender
NameSOUTH STATE BANK NA
TypeBank
AddressWINTER HAVEN, FL 33880
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term119 Months
DueDec 30, 2032

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3922 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057092018
DateApr 17, 2020
Book Page5709/2018
Instrument2020052937
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2050

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3922 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056002573
DateOct 04, 2019
Book Page5600/2573
Instrument2019128602
Lender
NameCENTERSTATE BANK
TypeBank
AddressSAINT CLOUD, FL 34771
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term118 Months
DueAug 30, 2029
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3922 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3922 CABO ROJO DR, SAINT CLOUD, FL 34772-8374

Mortgage

Document Number0058551358
DateDec 21, 2020
Book Page5855/1358
Instrument2020173101
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

January 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 17, 2018
Property Address3922 CABO ROJO DR, SAINT CLOUD, FL 34772-8374
Document Number0052701788
Book / Page5270 / 1788
Map ReferenceMB25 PG95-101
Instrument DateDec 29, 2017
Instrument2018009125
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,781.50
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

NameVerified Name
Address3922 CABO ROJO DR ST, SAINT CLOUD, FL 34772-8374

Mortgage

Document Number2018009126
DateJan 17, 2018
Instrument2018009126
Lender
NameCALATLANTIC MORTGAGE LNC
TypeNon-Lending Institution
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 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$2,513.00 (+6.71%) Homeowner's exemption$183,276 (+5.99%)$351,500 (+3.57%) Land $70,000 Building $281,500
2023$2,355.00 (+3.93%) Homeowner's exemption$172,924 (+3%)$339,400 (+10.09%) Land $65,000 Building $274,400
2022$2,266.00 Homeowner's exemption$167,888$308,300 Land $60,000 Building $248,300

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 500 ft

Wildfire

Wildfire RiskLow
above 34% of the US · above 9% of Florida
Wildfire LikelihoodAbout 1 in 1,667 per year
ExposureDirect
burnable vegetation at the parcel

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

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