Osceola County property record for 3991 Baja Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,144 sqft · built 2016 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Jul 2025) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Dec 2024 Line of Credit Jul 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-26-30-0964-0001-4630 |
| Primary APN | 35-26-30-0964-0001-4630 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,144 sqft Living Area |
| Gross Area | 2,826 sqft |
| 1st Floor Area | 2,144 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 | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 262 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3991 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 463 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Block | 4630 |
| Legal Lot Number | 463 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 35-26-30-0964-0001-4630
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 | 3991 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 17, 2024 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Jul 25, 2025 | Intrafamily Transfer, Transfer · VA Mortgage PRIME HOME LENDING LLC |
| Oct 28, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Nov 25, 2019 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 25, 2025 · Amount on Record |
| Deed Sale | Jul 25, 2025 · Amount on Record |
| Prior Sale | Nov 22, 2016 · Amount on Record |
| Deed Document Number | 202593141 |
| Deed Book / Page | 6825 / 276 |
| Prior Transfer Date | Jul 18, 2025 |
| Prior Transfer Doc | 0068250276 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3991 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3991 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Document Number | 0067120737 |
|---|---|
| Date | Dec 17, 2024 |
| Book Page | 6712/737 |
| Instrument | 2024158988 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 06, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 25, 2025 |
| Property Address | 3991 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Document Number | 0068250276 |
| Book / Page | 6825 / 276 |
| Map Reference | MB 24 PG 161 |
| Instrument Date | Jul 18, 2025 |
| Instrument | 2025093141 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2026 |
| Title Company | ALLIANCEFIRST TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3991 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Name | Verified Name |
|---|---|
| Address | 3991 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Document Number | 0068250280 |
|---|---|
| Date | Jul 25, 2025 |
| Book Page | 6825/280 |
| Instrument | 2025093142 |
| Name | PRIME HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Aug 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 28, 2020 |
| Property Address | 3991 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Document Number | 0058211738 |
| Book / Page | 005821 / 001738 |
| Instrument Date | Oct 24, 2020 |
| Instrument | 146405 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3991 BAJA DR ST CLOUD FL 347728155, ST CLOUD, FL 34772-8155 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3991 BAJA DR, SAINT CLOUD, FL 34772-8155 |
| Document Number | 0056322428 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3991 BAJA DR ST CLOUD FL 347728155, ST CLOUD, FL 34772-8155 |
| Document Number | 0056322428 |
|---|---|
| Date | Dec 03, 2019 |
| Book Page | 005632/002428 |
| Instrument | 155711 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 02, 2049 |
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 | $4.00 | $251,210 (+5.99%) | $355,100 (+3.53%) Land $70,000 Building $285,100 |
| 2024 | $4.00 | ||
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $237,021 (+3%) | $343,000 (+10.25%) Land $65,000 Building $278,000 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $230,118 | $311,100 Land $60,000 Building $251,100 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 |
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Xfinity.
Based on FCC filings for 322 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures