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3984 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3984 Baja Dr, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,144 sqft · built 2016
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$400,000 (Nov 2022)
Tax Bill$5,015 (2025)
Deeds & MortgagesJul 2026 Mortgage
Jun 2026 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN35-26-30-0964-0001-4700

Property Details

APN / Parcel Number

Primary APN35-26-30-0964-0001-4700
Alternative APN
  • 263035096400014700

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,144 sqft Living Area
Gross Area2,714 sqft
1st Floor Area2,144 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area150 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3984 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 470
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1
Legal Phase1
Legal Tract964
Legal Block4700
Legal Lot Number470
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2018
Census Tract43304

Owner

Source: Osceola County records · APN 35-26-30-0964-0001-4700

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 Address3984 BAJA DR, SAINT CLOUD, FL 34772-8152
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jul 08, 2026Deed of Trust, Mortgage · FHA Mortgage
DO NO USE, CARRINGTON MORTGAGE SERVICES
Jun 01, 2026Deed of Trust, Mortgage · FHA Mortgage
DO NO USE, CARRINGTON MORTGAGE SERVICES
Mar 13, 2024Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Nov 07, 2022Special Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 07, 2022 · Amount on Record
Deed SaleNov 07, 2022 · Amount on Record
Prior SaleMay 09, 2022 · Amount on Record
Deed Document Number2022162853
Deed Book / Page6311 / 2159
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 08, 2026
Property Address3984 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number0000089603
Book / Page7001 / 93
Instrument DateJun 04, 2026
Instrument202689603
Transaction TypeMortgage
Record UpdatedJul 21, 2026
Title CompanyDO NO USE, CARRINGTON MORTGAGE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address3984 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number0000089603,
DateJul 08, 2026
Book Page7001/93
Instrument202689603
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term316 Months
DueNov 01, 2052
Interest
Rate6.37%
Max Rate-1%

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 01, 2026
Property Address3984 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number0000070834
Book / Page6979 / 939
Instrument DateMay 15, 2026
Instrument202670834
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyDO NO USE, CARRINGTON MORTGAGE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address3984 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number0000070834,
DateJun 01, 2026
Book Page6979/939
Instrument202670834
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term317 Months
DueNov 01, 2052
Interest
Rate6.3%
Max Rate-1%

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3984 BAJA DR, SAINT CLOUD, FL 34772-8152
Transaction TypeMortgage
Record UpdatedMay 14, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3984 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number0065650288
DateMar 13, 2024
Book Page6565/288
Instrument2024033198
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Address8950 CYPRESS WATERS BLVD # 100, COPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term344 Months
DueNov 01, 2052

November 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 07, 2022
Property Address3984 BAJA DR, SAINT CLOUD, FL 34772-8152
Document Number0063112159
Book / Page6311 / 2159
Map ReferenceMB 24 PG 161-167
Instrument DateOct 13, 2022
Instrument2022162853
Transaction TypeTransfer
Record UpdatedNov 22, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,800.00
Amount AccuracyFull Amount Stated
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2015 MANHATTAN BEACH BLVD STE 100, 2015, REDONDO BEACH, CA 90278-1230

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3984 BAJA DR, SAINT CLOUD, FL 34772-8152

Mortgage

Document Number0063112162
DateNov 07, 2022
Instrument6311/2162
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2052

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$5,015.00 (+6%) Homeowner's exemption$323,111 (+5.99%)$351,100 (+3.54%) Land $70,000 Building $281,100
2023$4,731.00 (-0.3%) Homeowner's exemption$304,860 (-0.92%)$339,100 (+10.2%) Land $65,000 Building $274,100
2022$4,745.00$307,700 Land $60,000 Building $247,700$307,700 Land $60,000 Building $247,700

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
33 of 36 on primary residences

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.

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