Osceola County property record for 3956 Baja Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,820 sqft · built 2017 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $283,300 (Jan 2018) |
| Tax Bill | $4,838 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096400014820 |
| Primary APN | 352630096400014820 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,820 sqft Heated Area |
| Gross Area | 3,561 sqft |
| 1st Floor Area | 1,634 sqft |
| Upper Floors Area | 1,186 sqft |
| Flooring | Carpet |
| 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 | 7,405 sqft (0.169 acres) |
| Garage Type | Finished |
| Garage Area | 428 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 70 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 313 sqft |
| Deck Area | 430 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3956 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 482 |
| 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 | 482 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400014820
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 | 3956 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HAMILTON HOME LOANS INC |
| Jan 03, 2018 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 03, 2018 · Amount on Record |
| Deed Sale | Jan 03, 2018 · Amount on Record |
| Deed Document Number | 2018001222 |
| Deed Book / Page | 5263 / 0002 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3956 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3956 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0059370771 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 5937/771 |
| Instrument | 2021057914 |
| Name | HAMILTON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT LAUDERDALE, FL 33323 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 03, 2018 |
| Property Address | 3956 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0052630002 |
| Book / Page | 5263 / 0002 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 2018001222 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PGP TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,983.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 3956 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 2018001223 |
|---|---|
| Date | Jan 03, 2018 |
| Instrument | 2018001223 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2048 |
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 | $4,838.00 (+18.29%) Homeowner's exemption | $313,175 (+16.31%) | $440,400 (+10.02%) Land $70,000 Building $370,400 |
| 2023 | $4,090.00 (+3.52%) Homeowner's exemption | $269,260 (+3%) | $400,300 (+10.31%) Land $65,000 Building $335,300 |
| 2022 | $3,951.00 Homeowner's exemption | $261,418 | $362,900 Land $60,000 Building $302,900 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 36 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force 33 of 36 on primary residences |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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