Osceola County property record for 3975 Baja Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,820 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $349,000 (2021) |
| Tax Bill | $6,212.00 (2025) |
| Primary APN | 352630096400014450 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,820 sqft Heated Area |
| Gross Area | 3,626 sqft Gross Area |
| 1st Floor | 1,634 sqft 1st Floor |
| Upper Floors | 1,186 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 428 sqft Garage |
| Porch | Finished/Screened Porch |
| Porch Area | 378 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3975 BAJA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8153 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 445 |
| 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 | 445 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400014450
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 | 3975 BAJA DR, SAINT CLOUD, FL 34772-8153 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 03, 2021 | Deed of Trust, Mortgage · Stand Alone Second Mortgage WATERSTONE MORTGAGE CORP |
| Feb 03, 2021 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Apr 03, 2017 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 03, 2021 · Amount on Record |
| Deed Sale | Feb 03, 2021 · Amount on Record |
| Prior Sale | Apr 03, 2017 · Amount on Record |
| Deed Doc Number | 2021015354 |
| Deed Book / Page | 5883 / 987 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3975 BAJA DR, SAINT CLOUD, FL 34772-8153 |
| Transaction Type | Mortgage |
| Record Updated | Mar 05, 2021 |
| Title Company | FLORIDA TITLE PROS |
| Name | Verified Name |
|---|---|
| Address | 3975 BAJA DR, SAINT CLOUD, FL 34772-8153 |
| Document Number | 0058831002 |
|---|---|
| Date | Feb 03, 2021 |
| Book Page | 5883/1002 |
| Instrument | 2021015356 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 03, 2021 |
| Property Address | 3975 BAJA DR, SAINT CLOUD, FL 34772-8153 |
| Document Number | 0058830987 |
| Book / Page | 5883 / 987 |
| Map Reference | MB 24 PG 161-167 |
| Instrument Date | Jan 27, 2021 |
| Instrument | 2021015354 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FLORIDA TITLE PROS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,443.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3975 BAJA DR, 3975, SAINT CLOUD, FL 34772-8153 |
| Name | Verified Name |
|---|---|
| Address | 3975 BAJA DR, SAINT CLOUD, FL 34772-8153 |
| Document Number | 0005883989 |
|---|---|
| Date | Feb 03, 2021 |
| Instrument | 5883/989 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 03, 2017 |
| Property Address | 3975 BAJA DR, SAINT CLOUD, FL 34772-8153 |
| Document Number | 0051261046 |
| Book / Page | 5126 / 1046 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 2017050418 |
| 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 | $2,123.10 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3975 BAJA DR, SAINT CLOUD, FL 34772-8153 |
| Document Number | 0051261048 |
|---|---|
| Date | Apr 03, 2017 |
| Book Page | 5126/1048 |
| Instrument | 2017050419 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80112 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 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 | $6,212.00 (+4.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $394,964 (+5.99%) | $413,000 (+3.51%) Land $70,000 Building $343,000 |
| 2023 | $5,952.00 (+3.32%) Homeowner's exemption | $372,654 (+3%) | $399,000 (+10.28%) Land $65,000 Building $334,000 |
| 2022 | $5,761.00 Homeowner's exemption | $361,800 Land $60,000 Building $301,800 | $361,800 Land $60,000 Building $301,800 |
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 | Moderate above 50% of the US · above 20% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 641 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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