1 / 36

$450,000

3975 Baja DriveSt Cloud, FL 34772

Listing updated: October 10, 2026 at 2:06 PM ET

Active

Listing courtesy of Exp Realty Llc · Jamie Bollinger · MLS #S5158149 · Active · 407-846-0940

Beds

Baths

2,820

Sq Ft

0.17

Acres

2017

Built

◆Water view◆$160/sqft◆360° tour

Single Family Residence

Property type

2017

Year built

7,405 sqft

Lot size

$160

Price / sq ft

$90/mo

HOA dues

Days on market

Garage spaces

Flood zone

About this home

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!

Estimated monthly payment

Principal & interest$2,275

Property taxes$518

Home insurance (est.)$206

HOA dues$90

Down payment

20%

$90,000 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history16 days on market

Status: Active
Sep 24, 2026
Listed$450,000
Sep 24, 2026

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 16
Subdivision: Whaleys Creek Ph 1
County: Osceola
Year built: 2017
Living area: 2,820 sq ft
Price/sq ft: $160
Building area: 3,626 sq ft (Public Records)
Lot size: 7,405 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12097C0270G)
Garage: 2 spaces
Annual taxes: $6,213 (2025)
Parcel #: 35-26-30-0964-0001-4450
Zoning: RES
MLS #: S5158149

Ask about this home

Have a question? Ask the broker directly.

Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.

Interior Details

Bedrooms: 4
Full bathrooms: 2
Half bathrooms: 1
Flooring: Ceramic Tile, Luxury Vinyl
Appliances: Dishwasher, Microwave, Range, Refrigerator
Interior features: 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
Laundry: Laundry Room
Stories / Levels: Two
Direction faces: North

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes

HOA & Financial

HOA fee: $90 / Monthly
Monthly HOA: $90/mo
Total monthly fees: $90/mo
Total annual fees: $1,080
HOA name: Ester Tejada
CDD: No
Homestead exemption: Yes
Min lease term: 7 Months
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No
Additional lease restrictions: Buyer and Buyer's Agent are responsible for independently verifying all HOA information, including fees, assessments, restrictions, rules, regulations, and approval requirements directly with the HOA or management company during due diligence.
Approval process: Buyer and Buyer's Agent are responsible for independently verifying all HOA information, including fees, assessments, restrictions, rules, regulations, and approval requirements directly with the HOA or management company during due diligence.

Exterior & Construction

Exterior features: Other, Private Yard, Sidewalk, Storage
Construction materials: Stucco
Roof: Shingle
Foundation: Slab
Water view: Yes
Road surface: Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Electricity Connected, Water Connected

Community

Pets allowed: Cats OK, Dogs OK

Room Details

Room	Level	Dimensions
Primary Bedroom	First	13x16
Family Room	First	14x20
Dining Room	First	11x12.7
Kitchen	First	12x16
Bedroom 2	Second	13.4x12.8
Bedroom 3	Second	13.5x11.5
Bedroom 4	Second	15x12.1

Listing Details

Listing date: 2026-09-24
On market date: 2026-09-24
Original list price: $450,000
Occupant type: Owner
MLS area: 34772 - St Cloud (Narcoossee Road)
Listing AOR: Osceola
Status changed: 2026-09-24
Tax legal description: WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 445

Flood risk

Minimal riskFEMA Zone XPanel 12097C0270G

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

192 to Vermont Ave south on Vermont Ave, left onto Whaley's Creek Blvd, right onto Vega Creek Dr, Right onto Baja Dr, house on right.

More homes like this

ActiveSingle Family Residence360°

$350,000

3680 Cabo Ln

St Cloud, FL 34772

4 bd · 3 ba · 1,972 sqft

Whaleys Creek Ph 1

MLS ID #O6439987, HUDSON ORLANDO, LLC.

Listing provided by Stellar MLS

ActiveSingle Family Residence360°

$389,900

3966 Baja Dr

St Cloud, FL 34772

3 bd · 2 ba · 2,144 sqft

Whaleys Creek Ph 1

MLS ID #S5153512, COLDWELL BANKER SOLOMON.

Listing provided by Stellar MLS

ActiveSingle Family Residence360°

$415,000

3911 Baja Dr

St Cloud, FL 34772

3 bd · 2 ba · 1,972 sqft

Whaleys Creek Ph 1

MLS ID #S5158640, DALTON WADE INC.

Listing provided by Stellar MLS

ActiveSingle Family Residence360°

$439,900

3949 Baja Dr

St Cloud, FL 34772

4 bd · 4 ba · 2,820 sqft

Whaleys Creek Ph 1

MLS ID #S5156639, ALL STAR PROPERTIES OF CENTRAL.

Listing provided by Stellar MLS

Call Schedule a tour

Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of October 10, 2026 at 2:06 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA