3978 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3978 Baja Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,675 sqft · built 2017
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Dec 2017)
Tax Bill	$4,546 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`352630096400014720`

Property Details

APN / Parcel Number

Primary APN	`352630096400014720`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,675 sqft Heated Area
Gross Area	3,775 sqft
1st Floor Area	2,675 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Finished
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3978 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 472
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	472
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2018
Census Tract	43304

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	3978 BAJA DR, SAINT CLOUD, FL 34772-8152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 4, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2017 · Amount on Record
Deed Sale	Dec 4, 2017 · Amount on Record
Deed Document Number	2017171311
Deed Book / Page	5247 / 1561
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3978 BAJA DR, SAINT CLOUD, FL 34772-8152
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059031961
Date	Mar 3, 2021
Book Page	5903/1961
Instrument	2021031603

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

December 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 4, 2017
Property Address	3978 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number	0052471561
Book / Page	5247 / 1561
Map Reference	MB24 PG161-167
Instrument Date	Nov 28, 2017
Instrument	2017171311
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3978 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number	2017171312
Date	Dec 4, 2017
Instrument	2017171312

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 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	$4,546.00 (+6.07%) Homeowner's exemption	$296,894 (+5.99%)	$434,500 (+3.45%) Land $70,000 Building $364,500
2023	$4,286.00 (+3.48%) Homeowner's exemption	$280,124 (+3%)	$420,000 (+10.32%) Land $65,000 Building $355,000
2022	$4,142.00 Homeowner's exemption	$271,966	$380,700 Land $60,000 Building $320,700

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	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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