Osceola County property record for 3966 Baja Dr, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,144 sqft · built 2017 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $259,600 (Aug 2017) |
| Tax Bill | $3,748 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-26-30-0964-0001-4770 |
| Primary APN | 35-26-30-0964-0001-4770 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,144 sqft Living Area |
| Gross Area | 2,726 sqft |
| 1st Floor Area | 2,144 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 162 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3966 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 477 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Block | 4770 |
| Legal Lot Number | 477 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 43304 |
Source: Osceola County records · APN 35-26-30-0964-0001-4770
Assessment roll updated November 26, 2025 · Last verified July 2026
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 | 3966 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 09, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| Aug 08, 2017 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 08, 2017 · Amount on Record |
| Deed Sale | Aug 08, 2017 · Amount on Record |
| Prior Sale | Mar 01, 2016 · Amount on Record |
| Deed Document Number | 2017114395 |
| Deed Book / Page | 5191 / 1168 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3966 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3966 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0065310087 |
|---|---|
| Date | Jan 09, 2024 |
| Book Page | 6531/87 |
| Instrument | 2024003146 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3966 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3966 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0062322130 |
|---|---|
| Date | Jun 14, 2022 |
| Book Page | 6232/2130 |
| Instrument | 2022092844 |
| Name | LOANCARE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Sep 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 08, 2017 |
| Property Address | 3966 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0051911168 |
| Book / Page | 5191 / 1168 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Aug 07, 2017 |
| Instrument | 2017114395 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,817.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 3966 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0051911170 |
|---|---|
| Date | Aug 08, 2017 |
| Instrument | 5191/1170 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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 | $3,748.00 (+6.24%) Homeowner's exemption | $252,286 (+5.99%) | $355,100 (+3.59%) Land $70,000 Building $285,100 |
| 2023 | $3,528.00 (+3.61%) Homeowner's exemption | $238,035 (+3%) | $342,800 (+10.15%) Land $65,000 Building $277,800 |
| 2022 | $3,405.00 Homeowner's exemption | $231,102 | $311,200 Land $60,000 Building $251,200 |
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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