3970 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3970 Baja Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,820 sqft · built 2017
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$297,800 (Apr 2017)
Tax Bill	$4,191 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`352630096400014750`

Property Details

APN / Parcel Number

Primary APN	`352630096400014750`

Interior

Bedrooms	5 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	Tile
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	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	313 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3970 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 475
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	475
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2018
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of July 1, 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	3970 BAJA DR, SAINT CLOUD, FL 34772-8152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Apr 26, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 26, 2017 · Amount on Record
Deed Sale	Apr 26, 2017 · Amount on Record
Deed Document Number	2017061617
Deed Book / Page	5137 / 2589
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3970 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number	0057410078
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3970 BAJA DR ST CLOUD FL 347728152, ST CLOUD, FL 34772-8152

Mortgage

Document Number	0057410078
Date	Jun 22, 2020
Book Page	005741/000078
Instrument	79474

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 26, 2017
Property Address	3970 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number	0051372589
Book / Page	5137 / 2589
Map Reference	MB24 PG161-167
Instrument Date	Apr 24, 2017
Instrument	2017061617
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,084.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3970 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number	0051372591
Date	Apr 26, 2017
Instrument	5137/2591

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$4,191.00 (+6.26%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$282,072 (+5.99%)	$411,500 (+3.5%) Land $70,000 Building $341,500
2023	$3,944.00 (+3.6%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$266,139 (+3%)	$397,600 (+10.29%) Land $65,000 Building $332,600
2022	$3,807.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$258,388	$360,500 Land $60,000 Building $300,500

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

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)
Lumen Technologies 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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