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Overview

4 bd4 ba2,820 sqft2 car garageSingle Family
TypeSingle Family
HOA$99/mo
Built2017
Lot7,841 sqft
Living area2,820 sqft
Price / sqft$156
Garage2 car

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

About this home

Ceiling Fans(s)Open FloorplanPrimary Bedroom Main FloorStone CountersWalk-in Closet(s)LightingSidewalkPlayground

3949 Baja Dr is a 2017-built home in Whaleys Creek Ph 1, St Cloud. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,820 square feet of living space. Listed at $439,900 (about $156/sqft), 46 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $99 monthly.

From the listing

Welcome to 3949 Baja Drive, a move-in ready spacious single-family home situated in the desirable Whaley's Creek community. Built in 2017, this multi-level home boasts modern finishes, generous living spaces, and convenient location. The home offers a spacious layout with 4 Bedrooms and 3.5 Bathrooms. The primary bedroom offers a private retreat with a double vanity, walk-in closet, and modern fixtures. All 3 bedrooms upstairs have walk-in closets and one even has its own private full bathroom. There is another office space on the main floor and a giant loft/living area upstairs. The gourmet kitchen is fully equipped with stainless steel appliances, granite countertops, and an island setup that is designed for entertaining. Downstairs is an indoor laundry room with extra storage space and is plumbed for a utility sink. The screened in lanai overlooks the beautiful backyard with a pond view which means no rear neighbors! Privacy fencing on both sides of the yard. Mature landscaping and fruit trees let you enjoy your own homegrown bananas and pomegranates! The yard is equipped with an irrigation system on its own reclaimed meter. 2 car garage with epoxy floors. Whaley's Creek offers a low HOA with access to community facilities, including a neighborhood pool and playground. No CDD. Located under 3 miles from Florida's Turnpike, offering seamless travel to Lake Nona's Medical City, Orlando International Airport (MCO), and Central Florida attractions.

The essentials

Built
2017
Price / sqft
$156
On market
46 days
Annual tax
$4,253
HOA
$99/mo
Flood zone
X · Low risk
Lot
7,841 sqft
Type
Single Family Residence

At a glance

Single family
Built 2017
Waterfront
Pond
Community pool
Shared amenity
2 car garage
7,841 sqft lot
Lot size

Payment

Est. monthly payment
$2,967/mo
Down payment (20%)
$87,980
Property taxes
$354/mo
HOA
$99/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2017
Lot
7,841 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Pond
Days on Market
46
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Walk-in Closet(s)
Lighting
Sidewalk
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Canoe Creek K-8
Middle
Celebration K-8
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,253
Parcel #
35-26-30-0964-0001-4320

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
7,841 sqft
SidewalkPaved
HOA
$99/mo
Artemis Lifestyles - Yulissa Cruz

Price history

Date
Event
Price
10/9/2026
Price change
Source: Stellar MLS #S5156639
$439,900-2.2%
$156/sqft
-
Price change
Source: Stellar MLS #S5156639
$449,900-2.2%
$160/sqft
8/31/2026
Listed for sale
Source: Stellar MLS #S5156639
$459,900
$163/sqft

Neighborhood

3949 Baja Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $439,900
$437,500 – $439,900
99.5% – 100% of listTops out right at the list price
80% of listList price
240 of the last 388 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 46 after a $20,000 cut.

Sample: 388 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,968/mo
Principal & interest$2,294
Property taxes$354
Insurance$220
HOA$99
Down payment20% · $87,980
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

$439,900

$156 per sq ft

Beds and baths

4 beds, 4 baths

Size

2,820 sq ft

Time on market

46 days

Year built

2017

Monthly payment

About $2,967/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,253 annual tax bill, insurance, and the $99/mo HOA fee.

HOA fee

$99/mo

Managed by Artemis Lifestyles - Yulissa Cruz.

Flood zone

Zone X

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

Offer

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Brokered byALL STAR PROPERTIES OF CENTRALListing agent: Kevin WaldbieserListing data from Stellar MLS, MLS# S5156639.

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