Osceola County property record for 3972 Baja Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2017 |
| Square Footage | 1,972 sqft Heated Area |
| Lot Size | 7,841 sqft (0.18 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $240,700 (2017) |
| Tax Bill | $2,446.00 (2025) |
| Primary APN | 352630096400014740 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,972 sqft Heated Area |
| Gross Area | 2,588 sqft Gross Area |
| 1st Floor | 1,972 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,841 sqft (0.18 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 438 sqft Garage |
| Porch | Open Porch |
| Porch Area | 178 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3972 BAJA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8152 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 474 |
| 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 | 474 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2018 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400014740
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 | 3972 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 02, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Oct 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 12, 2017 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 12, 2017 · Amount on Record |
| Deed Sale | Jul 12, 2017 · Amount on Record |
| Deed Doc Number | 2017101466 |
| Deed Book / Page | 5178 / 0792 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3972 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3972 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0062800198 |
|---|---|
| Date | Sep 02, 2022 |
| Book Page | 6280/198 |
| Instrument | 2022134620 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jun 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3972 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3972 BAJA DR, SANFORD, FL 32772 |
| Document Number | 0058182406 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 5818/2406 |
| Instrument | 2020144021 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 12, 2017 |
| Property Address | 3972 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0051780792 |
| Book / Page | 5178 / 0792 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Jul 11, 2017 |
| Instrument | 2017101466 |
| 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 | $1,684.90 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 3972 BAJA DR, SAINT CLOUD, FL 34772-8152 |
| Document Number | 0051780794 |
|---|---|
| Date | Jul 12, 2017 |
| Instrument | 5178/0794 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
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 | $2,446.00 (+6.72%) Homeowner's exemption | $179,550 (+5.99%) | $339,300 (+3.67%) Land $70,000 Building $269,300 |
| 2023 | $2,292.00 (+3.99%) Homeowner's exemption | $169,408 (+3%) | $327,300 (+10.2%) Land $65,000 Building $262,300 |
| 2022 | $2,204.00 Homeowner's exemption | $164,474 | $297,000 Land $60,000 Building $237,000 |
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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