3925 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3925 Baja Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,972 sqft · built 2017
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$234,300 (Oct 2017)
Tax Bill	$5,751 (2025)
Deeds & Mortgages	Aug 2023 Transfer Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-26-30-0964-0001-4200`

Property Details

APN / Parcel Number

Primary APN	`35-26-30-0964-0001-4200`
Alternative APN	`263035096400014200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,972 sqft Living Area
Gross Area	2,588 sqft
1st Floor Area	1,972 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
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	178 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3925 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 420
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	WHALEYS CREEK PH 1
Legal Phase	1
Legal Tract	964
Legal Block	4200
Legal Lot Number	420
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

Owner

Source: Osceola County records, as of March 6, 2026

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 Record
Mailing Address	12025 IMAGINARY WAY, ORLANDO, FL 32832-5152
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 20, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2017 · Amount on Record
Deed Sale	Oct 20, 2017 · Amount on Record
Prior Sale	Mar 1, 2016 · Amount on Record
Deed Document Number	2017151509
Deed Book / Page	5227 / 2916
Last Transfer Date	Aug 25, 2023
Transfer Doc	0064640913
Record Updated	Jun 8, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2023
Property Address	3925 BAJA DR, SAINT CLOUD, FL 34772-8153
Document Number	0064640913
Book / Page	6464 / 913
Map Reference	MB 24 PG 161-167
Instrument Date	Aug 25, 2023
Instrument	2023112551
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12025 IMAGINARY WAY, ORLANDO, FL 32832-5152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12025 IMAGINARY WAY, ORLANDO, FL 32832-5152

October 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 20, 2017
Property Address	3925 BAJA DR, SAINT CLOUD, FL 34772-8153
Document Number	0052272916
Book / Page	005227 / 002916
Instrument Date	Oct 19, 2017
Instrument	151509
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 14, 2017
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,640.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3925 BAJA DR ST CLOUD FL 347728153, ST CLOUD, FL 34772-8153

Mortgage

Document Number	52272918
Date	Oct 20, 2017
Book Page	005227/002918
Instrument	151510

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 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	$5,751.00 (+7%)	$339,300 (+3.67%) Land $70,000 Building $269,300	$339,300 (+3.67%) Land $70,000 Building $269,300
2024	$5,375.00 (+6.54%)
2023	$5,045.00 (+9.98%)	$327,300 (+10.2%) Land $65,000 Building $262,300	$327,300 (+10.2%) Land $65,000 Building $262,300
2022	$4,587.00	$297,000 Land $60,000 Building $237,000	$297,000 Land $60,000 Building $237,000

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
CenturyLink 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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