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3980 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3980 Baja Dr, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,591 sqft · built 2016
Lot Size0.29 acres (12,632 sqft)
Owner2 Individual Names on File
Last Sale$490,000 (Jul 2026)
Tax Bill$4 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN35-26-30-0964-0001-4710

Property Details

APN / Parcel Number

Primary APN35-26-30-0964-0001-4710
Alternative APN
  • 263035096400014710

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,591 sqft Living Area
Gross Area3,530 sqft
1st Floor Area1,070 sqft
Upper Floors Area1,521 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleConventional
Exterior MaterialCombination
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,632 sqft (0.29 acres)
Garage TypeAttached
Garage Area651 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area288 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3980 BAJA DR
CitySAINT CLOUD
StateFL
Zip34772-8152
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 471
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1
Legal Phase1
Legal Tract964
Legal Block4710
Legal Lot Number471
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2018
Census Tract43304

Owner

Source: Osceola County records · APN 35-26-30-0964-0001-4710

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 Record2 Individual Names on File
Mailing Address3980 BAJA DR, SAINT CLOUD, FL 34772-8152
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 02, 2026 · Amount on Record
Deed SaleJul 02, 2026 · Amount on Record
Prior SaleOct 04, 2016 · Amount on Record
Deed Document Number202687291
Deed Book / Page6998 / 859
Record UpdatedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 02, 2026
Property Address3980 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number0000087291
Book / Page6998 / 859
Instrument DateJun 30, 2026
Instrument202687291
Transaction TypeTransfer
Record UpdatedJul 13, 2026
Title CompanyALOMA TITLE COMPANY, ALOMA TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$346,430.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3980 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number0000087292,
DateJul 02, 2026
Instrument202687292
Lender
NameNETX MORTGAGE LLC
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.51%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4.00 Homeowner's exemption Veteran's exemption$276,257 (+5.99%)$411,800 (+3.29%) Land $70,000 Building $341,800
2024$4.00
2023$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$260,653 (+3%)$398,700 (+10.14%) Land $65,000 Building $333,700
2022$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$253,062$362,000 Land $60,000 Building $302,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 36 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 in force

Wildfire

Wildfire RiskModerate
above 50% of the US · above 20% of Florida
Wildfire LikelihoodAbout 1 in 641 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 322 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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