3995 Baja Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3995 Baja Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,972 sqft · built 2016
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$259,900 (Apr 2018)
Tax Bill	$3,948 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352630096400014650`

Property Details

APN / Parcel Number

Primary APN	`352630096400014650`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,972 sqft Heated Area
Gross Area	2,948 sqft
1st Floor Area	1,972 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	324 sqft
Porch	Finished/Screened Porch
Porch Area	58 sqft
Deck Area	756 sqft
Patio Area	480 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3995 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 465
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	465
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

Owner

Source: Osceola County records · APN 352630096400014650

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	3995 BAJA DR, SAINT CLOUD, FL 34772-8155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 03, 2021	Deed of Trust, Mortgage · VA Mortgage ABSOLUTE HOME MORTGAGE CORP
Nov 21, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Apr 24, 2018	Warranty Deed, Transfer · VA Mortgage FFC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 24, 2018 · Amount on Record
Deed Sale	Apr 24, 2018 · Amount on Record
Prior Sale	Dec 15, 2016 · Amount on Record
Deed Document Number	0053213002
Deed Book / Page	5321 / 3002
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3995 BAJA DR, SAINT CLOUD, FL 34772-8155
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 BAJA DR, SAINT CLOUD, FL 34772-8155

Mortgage

Document Number	0059720968
Date	Jun 03, 2021
Book Page	5972/968
Instrument	2021085993

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFIELD, NJ 07004

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3995 BAJA DR, SAINT CLOUD, FL 34772-8155
Document Number	0056321240
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 BAJA DR ST CLOUD FL 347728155, ST CLOUD, FL 34772-8155

Mortgage

Document Number	0056321240
Date	Dec 02, 2019
Book Page	005632/001240
Instrument	155409

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2018
Property Address	3995 BAJA DR, SAINT CLOUD, FL 34772-8155
Document Number	0053213002
Book / Page	5321 / 3002
Map Reference	MB24 PG161-167
Instrument Date	Apr 24, 2018
Instrument	2018064411
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,819.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 BAJA DR, SAINT CLOUD, FL 34772-8155

Mortgage

Document Number	2018064412
Date	Apr 24, 2018
Instrument	2018064412

Lender

Name	FFC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$3,948.00 (+6.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$273,456 (+5.99%)	$381,900 (+3.72%) Land $70,000 Building $311,900
2023	$3,707.00 (-1.04%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$258,010 (+3%)	$368,200 (+9.26%) Land $65,000 Building $303,200
2022	$3,746.00 Homeowner's exemption Widower's exemption	$250,496	$337,000 Land $60,000 Building $277,000

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Wildfire

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; 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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 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

Nearby Properties on Baja Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures