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Overview

4 bd3 ba2,820 sqft2 car garageSingle Family
TypeSingle Family
HOA$90/mo
Built2017
Lot7,405 sqft
Living area2,820 sqft
Price / sqft$160
Garage2 car

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

About this home

Built-in FeaturesCeiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorStone CountersTray Ceiling(s)

3975 Baja Dr is a 2017-built home in Whaleys Creek Ph 1, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,820 square feet of living space. Listed at $450,000 (about $160/sqft), 19 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $90 monthly.

From the listing

Welcome to this beautifully upgraded 4-bedroom, 2.5-bath home in the desirable Whaley’s Creek community of St. Cloud! From the moment you step inside, you’ll appreciate the thoughtful upgrades and custom touches that make this home truly special. The stunning, newly renovated kitchen serves as the heart of the home, offering a fresh, modern design perfect for both everyday living and entertaining. The spacious living area is enhanced by a gorgeous custom-built entertainment center, while elegant plantation blinds add timeless style throughout. The FIRST-FLOOR PRIMARY SUITE offers convenience and privacy, complete with a beautifully designed custom closet that maximizes both storage and organization. A conveniently located downstairs laundry room adds to the home’s functional layout. Step outside and take in the peaceful pond views, creating a beautiful backdrop for morning coffee, weekend gatherings, or simply unwinding at the end of the day. AND HERE’S AN INCREDIBLE BONUS — THE SOLAR PANELS WILL BE PAID OFF IN FULL BY THE SELLER AT CLOSING! Enjoy the benefits of solar energy without assuming the existing solar loan. With its beautifully renovated kitchen, custom features, desirable floor plan, and picturesque pond setting, this home offers an exceptional opportunity in one of St. Cloud’s sought-after communities. Conveniently located near shopping, dining, schools, and major roadways, this is a home you won't want to miss. Schedule your private showing today!

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The essentials

Built
2017
Price / sqft
$160
On market
19 days
Annual tax
$6,213
HOA
$90/mo
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2017
2 car garage
7,405 sqft lot
Lot size
2,820 sqft
Living area

Payment

Est. monthly payment
$3,180/mo
Down payment (20%)
$90,000
Property taxes
$518/mo
HOA
$90/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
-
Days on Market
19
Built-in Features
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Yard
Sidewalk
Storage
Dishwasher
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,213
Parcel #
35-26-30-0964-0001-4450

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
HOA
$90/mo
Ester Tejada

Price history

Date
Event
Price
9/24/2026
Listed for sale
Source: Stellar MLS #S5158149
$450,000
$160/sqft

Neighborhood

3975 Baja Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $450,000
$447,500 – $450,000
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 377 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 19.

Sample: 377 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
$3,180/mo
Principal & interest$2,347
Property taxes$518
Insurance$225
HOA$90
Down payment20% · $90,000
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

$450,000

$160 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,820 sq ft

Time on market

19 days

Year built

2017

Monthly payment

About $3,180/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,213 annual tax bill, insurance, and the $90/mo HOA fee.

HOA fee

$90/mo

Managed by Ester Tejada.

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 byEXP REALTY LLCListing agent: Jamie BollingerListing data from Stellar MLS, MLS# S5158149.

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