3946 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3946 Baja Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,144 sqft · built 2017
Lot Size	0.319 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jul 2018)
Tax Bill	$6,112 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352630096400014850`

Property Details

APN / Parcel Number

Primary APN	`352630096400014850`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,144 sqft Heated Area
Gross Area	2,814 sqft
1st Floor Area	2,144 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.319 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	250 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3946 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 485
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	485
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2018
Census Tract	43304

Owner

Source: Osceola County records, as of December 11, 2025

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	4846 ARC BEND RD, MIDLOTHIAN, TX 76065-4346
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2019	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE FIRM
Jul 24, 2018	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM
Sep 7, 2017	Grant Deed, Subdivision Related Transfer PGP TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2018 · Amount on Record
Deed Sale	Jul 24, 2018 · Amount on Record
Prior Sale	Sep 7, 2017 · Amount on Record
Deed Document Number	2018113130
Deed Book / Page	5372 / 2134
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3946 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number	0056160840
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3946 BAJA DR ST CLOUD FL 347728152, ST CLOUD, FL 34772-8152

Mortgage

Document Number	0056160840
Date	Nov 1, 2019
Book Page	005616/000840
Instrument	141949

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2018
Property Address	3946 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number	0053722134
Book / Page	005372 / 002134
Instrument Date	Jul 23, 2018
Instrument	113130
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3946 BAJA DR ST CLOUD FL 347728152, ST CLOUD, FL 34772-8152

Mortgage

Document Number	53722136
Date	Jul 24, 2018
Book Page	005372/002136
Instrument	113131

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2048

September 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 7, 2017
Property Address	3946 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number	0052060406
Book / Page	005206 / 000406
Instrument Date	Aug 31, 2017
Instrument	128899
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 5, 2017
Title Company	PGP TITLE/FL INC

Transaction

Amount	Amount Recorded
Tax	$1,820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3946 BAJA DR ST CLOUD FL 347728152, ST CLOUD, FL 34772-8152

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$6,112.00 (+6.98%)	$359,400 (+0.22%) Land $70,000 Building $289,400	$359,400 (+0.22%) Land $70,000 Building $289,400
2024	$5,713.00 (+6.53%)	$358,600 (+3.28%) Land $70,000 Building $288,600	$358,600 (+3.28%) Land $70,000 Building $288,600
2023	$5,363.00 (+9.94%)	$347,200 (+10.12%) Land $65,000 Building $282,200	$347,200 (+10.12%) Land $65,000 Building $282,200
2022	$4,878.00	$315,300 Land $60,000 Building $255,300	$315,300 Land $60,000 Building $255,300

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 100 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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% 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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