3957 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3957 Baja Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,820 sqft · built 2017
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$283,900 (Jan 2018)
Tax Bill	$4,078 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352630096400014360`

Property Details

APN / Parcel Number

Primary APN	`352630096400014360`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,820 sqft Heated Area
Gross Area	3,626 sqft
1st Floor Area	1,634 sqft
Upper Floors Area	1,186 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	378 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3957 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 436
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	436
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

Owner

Source: Osceola County records · APN 352630096400014360

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	2 Individual Names on File
Mailing Address	3957 BAJA DR, SAINT CLOUD, FL 34772-8153
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Apr 14, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 04, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage RESIDENTIAL ACCPTNC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2018 · Amount on Record
Deed Sale	Jan 04, 2018 · Amount on Record
Deed Document Number	2018002180
Deed Book / Page	5264 / 0252
Record Updated	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3957 BAJA DR, SAINT CLOUD, FL 34772-8153
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3957 BAJA DR, SAINT CLOUD, FL 34772-8153

Mortgage

Document Number	0065111734
Date	Nov 29, 2023
Book Page	6511/1734
Instrument	2023156118

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	May 01, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3957 BAJA DR, SAINT CLOUD, FL 34772-8153
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3957 BAJA DR, SAINT CLOUD, FL 34772-8153

Mortgage

Document Number	0059350508
Date	Apr 14, 2021
Book Page	5935/508
Instrument	2021056214

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

January 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 04, 2018
Property Address	3957 BAJA DR, SAINT CLOUD, FL 34772-8153
Document Number	0052640252
Book / Page	005264 / 000252
Instrument Date	Dec 29, 2017
Instrument	2180
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 06, 2018
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,987.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3957 BAJA DR ST CLOUD FL 347728153, ST CLOUD, FL 34772-8153

Mortgage

Document Number	52640254
Date	Jan 04, 2018
Book Page	005264/000254
Instrument	2181

Lender

Name	RESIDENTIAL ACCPTNC
Address	TAMPA, FL 33607

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 03, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$4,078.00 (+6.17%) Homeowner's exemption	$270,722 (+5.99%)	$414,900 (+3.47%) Land $70,000 Building $344,900
2023	$3,841.00 (+3.53%) Homeowner's exemption	$255,431 (+3%)	$401,000 (+10.26%) Land $65,000 Building $336,000
2022	$3,710.00 Homeowner's exemption	$247,992	$363,700 Land $60,000 Building $303,700

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 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

Wildfire

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.

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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

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