Osceola County property record for 3960 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 | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,900 (Jan 2018) |
| Tax Bill | $3,887 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096400014800 |
| Primary APN | 352630096400014800 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,591 sqft Heated Area |
| Gross Area | 3,070 sqft |
| 1st Floor Area | 1,070 sqft |
| Upper Floors Area | 1,521 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 | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 38 sqft |
| Patio Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3960 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 480 |
| 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 | 480 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400014800
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 | 3960 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jan 03, 2018 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage SOUTHWEST FUNDING LP |
| 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 | 2018001736 |
| Deed Book / Page | 5263 / 1473 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3960 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0059951770 |
|---|---|
| Date | Jul 06, 2021 |
| Book Page | 5995/1770 |
| Instrument | 2021104326 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 03, 2018 |
| Property Address | 3960 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0052631473 |
| Book / Page | 5263 / 1473 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Dec 27, 2017 |
| Instrument | 2018001736 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PGP TITLE OF FLORIDA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,819.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 3960 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 2018001737 |
|---|---|
| Date | Jan 03, 2018 |
| Instrument | 2018001737 |
| Name | SOUTHWEST FUNDING LP |
|---|---|
| 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 | $3,887.00 (+6.2%) Homeowner's exemption | $260,067 (+5.99%) | $389,000 (+3.54%) Land $70,000 Building $319,000 |
| 2023 | $3,660.00 (+3.57%) Homeowner's exemption | $245,377 (+3%) | $375,700 (+10.24%) Land $65,000 Building $310,700 |
| 2022 | $3,534.00 Homeowner's exemption | $238,231 | $340,800 Land $60,000 Building $280,800 |
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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