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3928 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3928 Baja Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,591 sqft · built 2017
Lot Size0.189 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$264,000 (Mar 2018)
Tax Bill$3,982 (2025)
Deeds & MortgagesAug 2023 Mortgage
Jan 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN352630096400014880

Property Details

APN / Parcel Number

Primary APN352630096400014880

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,591 sqft Heated Area
Gross Area3,070 sqft
1st Floor Area1,070 sqft
Upper Floors Area1,521 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.189 acres)
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area38 sqft
Patio Area120 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3928 BAJA DR
CitySAINT CLOUD
StateFL
Zip34772-8152
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 488
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase1
Legal Tract964
Legal Lot Number488
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2018
Census Tract43304

Owner

Source: Osceola County records · APN 352630096400014880

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 Address3928 BAJA DR, SAINT CLOUD, FL 34772-8152
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2023Deed of Trust, Mortgage · VA Mortgage
DEPARTMENT OF VETERANS AFFAIRS
Jan 28, 2022Deed of Trust, Mortgage · VA Mortgage
DEPARTMENT OF VETERANS AFFAIRS
Oct 15, 2019Deed of Trust, Mortgage · VA Mortgage
LAKEVIEW LOAN SERVICING LLC
Mar 29, 2018Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 29, 2018 · Amount on Record
Deed SaleMar 29, 2018 · Amount on Record
Deed Document Number2018050043
Deed Book / Page5308 / 2106
Record UpdatedJun 08, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3928 BAJA DR, SAINT CLOUD, FL 34772-8152
Transaction TypeMortgage
Record UpdatedSep 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3928 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number0064660116
DateAug 31, 2023
Book Page6466/116
Instrument2023114016
Lender
NameDEPARTMENT OF VETERANS AFFAIRS
TypeGovernment Agency
AddressNASHVILLE, TN 37203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term342 Months
DueFeb 01, 2052

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3928 BAJA DR, SAINT CLOUD, FL 34772-8152
Transaction TypeMortgage
Record UpdatedFeb 09, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3928 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number0061382863
DateJan 28, 2022
Book Page6138/2863
Instrument2022015421
Lender
NameDEPARTMENT OF VETERANS AFFAIRS
TypeGovernment Agency
AddressNASHVILLE, TN 37203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3928 BAJA DR, SAINT CLOUD, FL 34772-8152
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056060074
DateOct 15, 2019
Book Page5606/0074
Instrument2019132916
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

March 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 29, 2018
Property Address3928 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number0053082106
Book / Page5308 / 2106
Map ReferenceMB24 PG161-167
Instrument DateMar 26, 2018
Instrument2018050043
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyPGP TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,848.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
Address3928 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number2018050044
DateMar 29, 2018
Instrument2018050044
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 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$3,982.00 (+6.19%) Homeowner's exemption$265,391 (+5.99%)$393,200 (+3.47%) Land $70,000 Building $323,200
2023$3,750.00 (+3.56%) Homeowner's exemption$250,400 (+3%)$380,000 (+10.02%) Land $65,000 Building $315,000
2022$3,621.00 Homeowner's exemption$243,107$345,400 Land $60,000 Building $285,400

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 36 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

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

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