3986 BAJA DRIVE, ST CLOUD, FL, 34772
Active104 days on marketListed Apr 8, 2026MLS #S5147286
About this home
3986 BAJA DRIVE
Welcome to this stunning 4-bedroom, 2.5-bath, 3 car tandem garage home overlooking the pond. Designed for both comfort and entertaining! This beautifully maintained property features a spacious open-concept layout, seamlessly connecting the living room, dining area, and modern kitchen—perfect for gatherings and everyday living. Sliding glass doors lead to a screened lanai, creating the ideal indoor/outdoor lifestyle. The home showcases elegant porcelain tile flooring throughout the main living areas. The chef-inspired kitchen is a true centerpiece, complete with a large island with sink, stainless steel appliances, granite countertops, an eat-in space, and an oversized walk-in pantry. Step outside to the screened lanai and enjoy peaceful pond views—an ideal setting to unwind after a long day. The oversized primary suite offers a private retreat with room for a king-size bed, a sitting area or fitness space, and serene water views. The en-suite bathroom features dual sinks, granite counters, a private water closet, a large glass-enclosed shower, and an expansive walk-in closet. Near the front of the home, you’ll find a versatile office with glass French doors that can easily serve as a fourth bedroom or guest space. Two additional generously sized bedrooms share a full bathroom with dual sinks and a tub/shower combination. A convenient half bath is perfect for guests. Additional highlights include a functional mudroom with built-in bench, storage cubbies, and hooks, a spacious laundry room with room for added cabinetry, and a 3-car tandem garage offering ample storage and parking. Located in a beautiful community with resort-style amenities including a pool, clubhouse, and park, this home is ideally situated near the Turnpike and major roadways. Enjoy easy access to Orlando International Airport, world-famous Atlantic beaches, top dining, shopping, and Central Florida’s renowned theme parks. The exterior was freshly painted in April 2026—making this home truly move-in ready! Don’t miss your opportunity to make this exceptional home yours!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,675
Sqft
0.18 ac
Lot size
3
Garage
2016
Year built
One
Levels
$168
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,101 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,101/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−6.8%
$/sqft vs St Cloud actives
$168 vs $220
Days on market
104 vs 33 typical
Where $168/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
192 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3986 BAJA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$480,000
3636 MOCA DRIVE · same community
6 bd · 3 ba · 2,615 sqft · $184/sqft · 6 DOM
Sold · Jun ’26$490,000
3980 BAJA DRIVE · same community
4 bd · 3 ba · 2,591 sqft · $189/sqft · 56 DOM
Sold · Jun ’26$415,000
3673 MOCA DRIVE · same community
3 bd · 2 ba · 2,144 sqft · $194/sqft · 61 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3986 BAJA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3986 BAJA DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3986 BAJA DRIVE FAQs
What would the monthly payment be for 3986 BAJA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,101/mo — principal and interest, the actual property-tax bill, the $99/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3986 BAJA DRIVE?+
The association fee works out to $99 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3986 BAJA DRIVE?+
The most recent tax bill on record (2025) was $4. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3986 BAJA DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $448,900, this home is listed about 6% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3986 BAJA DRIVE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$448,900 runs 21% above the ST CLOUD 34772 median — but at 2,675 sqft it's also 35% larger than the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
104 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $464,900, now $448,900 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NONA LEGACY POWERED BY LA ROSA · Norquy Pagan. MLS #S5147286.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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