3160 Pawleys Loop N, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3160 Pawleys Loop N, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	3 Baths
Year Built	Built 2006
Square Footage	3,213 sqft Heated Area
Lot Size	9,583 sqft (0.219 acres)
Garage	Finished, 647 sqft
Occupancy	Owner Occupied
Tax Bill	$4,944.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`120842`
Alternative APN	`152630070000014780`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	3,213 sqft Heated Area
Gross Area	4,310 sqft Gross Area
1st Floor	1,627 sqft 1st Floor
Upper Floors	1,586 sqft Upper Floors
Stories	2 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,583 sqft (0.219 acres)
Depth X Width	120 ft x 80 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	647 sqft Garage

Exterior Amenities

Pool Area	392 sqft Pool
Fence	Fence
Deck Area	784 sqft Deck
Porch	Open Porch
Porch Area	450 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	120842
Street Address	3160 PAWLEYS LOOP N
City	SAINT CLOUD
State	FL
Zip	34769-7100
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 478
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	478
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3030
Census Tract	43208

Owner

Source: Osceola County records · APN 120842

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	3160 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
May 03, 2019	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 11, 2022
Deed Sale	Mar 11, 2022
Prior Sale	Feb 07, 2006 · Amount on Record
Deed Doc Number	0061831136
Deed Book / Page	5518 / 1473
Prior Transfer Date	May 03, 2019
Prior Transfer Doc	2019057026
Record Refreshed	Jun 08, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3160 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100
Transaction Type	Mortgage
Record Updated	Sep 04, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3160 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100

Mortgage

Document Number	0064620613
Date	Aug 23, 2023
Book Page	6462/613
Instrument	2023110686

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	362 Months
Due	Sep 30, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3160 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3160 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100

Mortgage

Document Number	0061831138
Date	Mar 30, 2022
Book Page	6183/1138
Instrument	2022050904

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 03, 2019
Property Address	3160 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100
Document Number	0055181473
Book / Page	5518 / 1473
Map Reference	MB 16 PG 34-41
Instrument Date	May 02, 2019
Instrument	2019057026
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2159 ESKRIDGE TER, 2159, LAKE WYLIE, SC 29710-6084

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	3160 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100

Mortgage

Document Number	2019057027
Date	May 03, 2019
Instrument	2019057027

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,944.00 (+8.61%) Homeowner's exemption	$218,364 (+5.99%)	$478,600 (+9.32%) Land $85,000 Building $393,600
2023	$4,552.00 (+5.76%) Homeowner's exemption	$206,030 (+3%)	$437,800 (+10.19%) Land $75,000 Building $362,800
2022	$4,304.00 Homeowner's exemption	$200,030	$397,300 Land $70,000 Building $327,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

3160 Pawleys Loop N, Saint Cloud, FL 34769 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Pawleys Loop N

Nearby Streets

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