Osceola County property record for 3989 Baja Dr, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,972 sqft · built 2016 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Apr 2026) |
| Tax Bill | $3,565 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-26-30-0964-0001-4620 |
| Primary APN | 35-26-30-0964-0001-4620 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,972 sqft Living Area |
| Gross Area | 2,588 sqft |
| 1st Floor Area | 1,972 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3989 BAJA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 462 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Block | 4620 |
| Legal Lot Number | 462 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 35-26-30-0964-0001-4620
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3989 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 29, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN NBRHD MORTGAGE ACCPTNC |
| Apr 29, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN HOME MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on Record |
| Deed Sale | Apr 29, 2026 · Amount on Record |
| Prior Sale | Sep 28, 2016 · Amount on Record |
| Deed Document Number | 202656386 |
| Deed Book / Page | 6962 / 2790 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 3989 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Document Number | 0000056386 |
| Book / Page | 6962 / 2790 |
| Instrument Date | Apr 01, 2026 |
| Instrument | 2026.56386 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2026 |
| Title Company | YOUR TITLE CONNECTION LLC, YOUR TITLE CONNECTION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289,870.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3989 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Document Number | 0000056387, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 2026..56387 |
| Name | AMERICAN NBRHD MORTGAGE ACCPTNC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 3989 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Document Number | 0069622790 |
| Book / Page | 6962 / 2790 |
| Instrument Date | Apr 01, 2026 |
| Instrument | 202656386 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2026 |
| Title Company | YOUR TITLE CONNECTION LLC, YOUR TITLE CONNECTION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289,870.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3989 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Document Number | 0000056387, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 6962/2792 |
| Instrument | 202656387 |
| Name | AMERICAN HOME MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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 | $3,565.00 (+3.54%) Homeowner's exemption | $242,051 (+7.61%) | $340,700 (+4.64%) Land $70,000 Building $270,700 |
| 2024 | $3,443.00 (+4.59%) | ||
| 2023 | $3,292.00 (+3.65%) Homeowner's exemption | $224,939 (+3%) | $325,600 (+10.19%) Land $65,000 Building $260,600 |
| 2022 | $3,176.00 Homeowner's exemption | $218,388 | $295,500 Land $60,000 Building $235,500 |
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 500 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures