Osceola County property record for 3940 Baja Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,591 sqft · built 2017 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,900 (Oct 2017) |
| Tax Bill | $3,959 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096400014860 |
| Primary APN | 352630096400014860 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,591 sqft Heated Area |
| Gross Area | 3,320 sqft |
| 1st Floor Area | 1,070 sqft |
| Upper Floors Area | 1,521 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 288 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3940 BAJA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 486 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 2 & 3 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Lot Number | 486 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400014860
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3940 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2023 | Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS |
| Jan 21, 2022 | Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS |
| Oct 17, 2017 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 17, 2017 · Amount on Record |
| Deed Sale | Oct 17, 2017 · Amount on Record |
| Deed Document Number | 2017147947 |
| Deed Book / Page | 5224 / 1420 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3940 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3940 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0064641910 |
|---|---|
| Date | Aug 28, 2023 |
| Book Page | 6464/1910 |
| Instrument | 2023112751 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | NASHVILLE, TN 37203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3940 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3940 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0061332707 |
|---|---|
| Date | Jan 21, 2022 |
| Book Page | 6133/2707 |
| Instrument | 2022011269 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | NASHVILLE, TN 37203 |
| Type | VA Mortgage |
|---|---|
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 17, 2017 |
| Property Address | 3940 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0052241420 |
| Book / Page | 5224 / 1420 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 2017147947 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,966.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 3940 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0052241422 |
|---|---|
| Date | Oct 17, 2017 |
| Instrument | 5224/1422 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,959.00 (+6.34%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $269,076 (+5.99%) | $401,300 (+3.4%) Land $70,000 Building $331,300 |
| 2023 | $3,723.00 (+3.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $253,877 (+3%) | $388,100 (+10.13%) Land $65,000 Building $323,100 |
| 2022 | $3,592.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $246,483 | $352,400 Land $60,000 Building $292,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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