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3190 Pawleys Loop N, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3190 Pawleys Loop N, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2010
Square Footage2,879 sqft Heated Area
Lot Size12,807 sqft (0.294 acres)
OccupancyOwner Occupied
Last Sale$507,500 (2023)
Tax Bill$9,580.00 (2025)

Property Details

APN / Parcel Number

Primary APN120845
Alternative APN
  • 152630070000014810

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,879 sqft Heated Area
Gross Area3,766 sqft Gross Area
1st Floor2,879 sqft 1st Floor
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area12,807 sqft (0.294 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area542 sqft Garage

Exterior Amenities

Pool Area490 sqft Pool
FenceFence
Deck Area436 sqft Deck
PorchOpen Porch
Porch Area345 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number120845
Street Address3190 PAWLEYS LOOP N
CitySAINT CLOUD
StateFL
Zip34769-7100
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 481
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number481
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3030
Census Tract43208

Owner

Source: Osceola County records · APN 120845

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3190 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 27, 2023Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Nov 20, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Apr 04, 2018Warranty Deed, Transfer · Conventional Mortgage
CAPITAL BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 27, 2023 · Amount on Record
Deed SaleOct 27, 2023 · Amount on Record
Prior SaleApr 04, 2018 · Amount on Record
Deed Doc Number2023142359
Deed Book / Page6497 / 112
Record RefreshedJun 08, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 27, 2023
Property Address3190 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100
Document Number0064970112
Book / Page6497 / 112
Map ReferenceMB 16 PG 34
Instrument DateOct 26, 2023
Instrument2023142359
Transaction TypeTransfer
Record UpdatedNov 17, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,552.50
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6427 SHORELINE DR, SAINT CLOUD, FL 34771-8786

Transferred To (Grantee/Buyer)

NameVerified Name
Address3190 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100

Mortgage

Document Number0006497114
DateOct 27, 2023
Instrument6497/114
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2053

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3190 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100
Transaction TypeMortgage
Record UpdatedSep 22, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056261522
DateNov 20, 2019
Book Page5626/1522
Instrument2019150856
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2049

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 04, 2018
Property Address3190 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100
Document Number0053111029
Book / Page5311 / 1029
Map ReferenceMB16 PG34
Instrument DateApr 02, 2018
Instrument2018052875
Transaction TypeTransfer
Record UpdatedSep 22, 2021
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,407.30
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3190 PAWLEYS LOOP N, 3190, SAINT CLOUD, FL 34769-7100

Transferred To (Grantee/Buyer)

NameVerified Name
Address3190 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7100

Mortgage

Document Number2018052876
DateApr 04, 2018
Instrument2018052876
Lender
NameCAPITAL BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$9,580.00 (+50.37%) Homeowner's exemption$477,400 (+55.51%) Land $85,000 Building $392,400$477,400 (+8.9%) Land $85,000 Building $392,400
2023$6,371.00 (+4.96%) Homeowner's exemption$306,992 (+3%)$438,400 (+9.79%) Land $75,000 Building $363,400
2022$6,070.00 Homeowner's exemption$298,051$399,300 Land $70,000 Building $329,300

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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