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Overview

3 bd2 ba1,972 sqft2 car garageSingle Family
TypeSingle Family
HOA$99/mo
Built2016
Lot6,534 sqft
Living area1,972 sqft
Price / sqft$210
Garage2 car

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

About this home

Open FloorplanWalk-in Closet(s)Private YardRain GuttersSidewalkStreet LightsDishwasherDisposal

3911 Baja Dr is a 2016-built home in Whaleys Creek Ph 1, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,972 square feet of living space. Listed at $415,000 (about $210/sqft), 18 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 this beautiful home in St. Cloud! Seller is offering $2,500 towards closing. This 3-bedroom plus versatile bonus/office space, 2-bathroom home. A BRAND NEW ROOF will be installed, adding even more value and peace of mind. Kitchen has granite countertops. The property also offers a fully fenced backyard, providing privacy and a great space for outdoor entertaining, pets, or relaxing. With a thoughtful layout, and flexible living space, this property offers a wonderful opportunity to enjoy comfortable Florida living. Don’t miss the opportunity to make this beautiful home your own!

The essentials

Built
2016
Price / sqft
$210
On market
18 days
Annual tax
$3,491
HOA
$99/mo
Flood zone
X · Low risk
Lot
6,534 sqft
Type
Single Family Residence

At a glance

Single family
Built 2016
2 car garage
6,534 sqft lot
Lot size
1,972 sqft
Living area

Payment

Est. monthly payment
$2,761/mo
Down payment (20%)
$83,000
Property taxes
$291/mo
HOA
$99/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2016
Lot
6,534 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
18
Open Floorplan
Walk-in Closet(s)
Private Yard
Rain Gutters
Sidewalk
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Canoe Creek K-8
Middle
Canoe Creek K-8
High
St. Cloud High School

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

Flood Zone X
Annual Tax (2025)
$3,491
Parcel #
35-26-30-0964-0001-4100

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
6,534 sqft
HOA
$99/mo
Ester Tejada

Price history

Date
Event
Price
9/30/2026
Listed for sale
Source: Stellar MLS #S5158640
$415,000
$210/sqft

Neighborhood

3911 Baja Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $415,000
$412,500 – $415,000
99.5% – 100% of listTops out right at the list price
80% of listList price
245 of the last 395 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 18.

Sample: 395 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
$2,762/mo
Principal & interest$2,164
Property taxes$291
Insurance$208
HOA$99
Down payment20% · $83,000
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

$415,000

$210 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,972 sq ft

Time on market

18 days

Year built

2016

Monthly payment

About $2,761/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,491 annual tax bill, insurance, and the $99/mo HOA fee.

HOA fee

$99/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 byDALTON WADE INCListing agent: Ana De JesusListing data from Stellar MLS, MLS# S5158640.

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