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Overview

3 bd2 ba2,144 sqft2 car garageSingle Family
TypeSingle Family
HOA$99/mo
Built2017
Lot7,405 sqft
Living area2,144 sqft
Price / sqft$182
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

ThermostatWalk-in Closet(s)SidewalkDeed RestrictionsPlaygroundPoolSidewalksDishwasher

3966 Baja Dr is a 2017-built home in Whaleys Creek Ph 1, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,144 square feet of living space. Listed at $389,900 (about $182/sqft), 100 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $99 monthly.

From the listing

You will not want to miss this beautiful 3-bedroom, 2-bathroom home, just waiting for a new owner. You will be welcomed by a foyer featuring decorative wainscoting making a great first impression! If you like to entertain then this is the home for you! The open spacious great room connects to the fully equipped kitchen with a large island, ideal for gatherings with family and friends and perfect for the chef in the family! You and your guests will certainly appreciate the lake view from the open living area! The generously sized primary bedroom with an en-suite bath featuring a linen closet, dual sinks, and walk-in shower offers the ideal setting for relaxing after a long day or work or play! There are two additional bedrooms, a laundry room, and a mud room to help you keep your home tidy. The mud room features build-ins to keep you organized. This home has been freshly painted in and out. Finally, enjoy your morning coffee or unwind at the end of your day in your screened back porch overlooking the relaxing water view from the privacy of a fully fenced backyard. Life is good! The Whaleys Creek community offers a clubhouse, pool, and playground for everyone to enjoy. Don't miss out on this home, see it today!

The essentials

Built
2017
Price / sqft
$182
On market
100 days
Annual tax
$3,748
HOA
$99/mo
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2017
Water views
Water
Community pool
Shared amenity
2 car garage
Driveway
7,405 sqft lot
Lot size

Payment

Est. monthly payment
$2,639/mo
Down payment (20%)
$77,980
Property taxes
$312/mo
HOA
$99/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2017
Lot
7,405 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
100
Thermostat
Walk-in Closet(s)
Sidewalk
Deed Restrictions
Playground
Pool
Sidewalks
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$3,748
Parcel #
35-26-30-0964-0001-4770

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Whaleys Creek Ph 1
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,405 sqft
ClearedIn CountyLandscapedSidewalkPaved
HOA
$99/mo
Yulissa Cruz / Artemis Lifestyle Management

Price history

Date
Event
Price
7/10/2026
Listed for sale
Source: Stellar MLS #S5153512
$389,900
$182/sqft

Neighborhood

3966 Baja Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $389,900
$387,500 – $389,900
99.5% – 100% of listTops out right at the list price
80% of listList price
244 of the last 394 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 100.

Sample: 394 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,640/mo
Principal & interest$2,033
Property taxes$312
Insurance$195
HOA$99
Down payment20% · $77,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$389,900

$182 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,144 sq ft

Time on market

100 days

Year built

2017

Monthly payment

About $2,639/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,748 annual tax bill, insurance, and the $99/mo HOA fee.

HOA fee

$99/mo

Managed by Yulissa Cruz / Artemis Lifestyle Management.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byCOLDWELL BANKER SOLOMONListing agent: Michael SolomonListing data from Stellar MLS, MLS# S5153512.

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