3381 Pawleys Loop N, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3381 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 2005
Square Footage	3,298 sqft Heated Area
Lot Size	9,583 sqft (0.219 acres)
Occupancy	Owner Occupied
Last Sale	$347,000 (2018)
Tax Bill	$6,685.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`120811`
Alternative APN	`152630070000014470`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	3,298 sqft Heated Area
Gross Area	4,401 sqft Gross Area
1st Floor	1,621 sqft 1st Floor
Upper Floors	1,677 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
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	209 sqft Pool
Deck Area	624 sqft Deck
Porch	Open Porch
Porch Area	456 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	120811
Street Address	3381 PAWLEYS LOOP N
City	SAINT CLOUD
State	FL
Zip	34769-7108
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 447
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	447
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3024
Census Tract	43208

Owner

Source: Osceola County records · APN 120811

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3381 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7108
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 02, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 2018 · Amount on Record
Deed Sale	Nov 02, 2018 · Amount on Record
Prior Sale	Apr 10, 2008 · Amount on Record
Deed Doc Number	0054281958
Deed Book / Page	5428 / 1958
Record Refreshed	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3381 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7108
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3381 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7108

Mortgage

Document Number	0068681176
Date	Oct 21, 2025
Book Page	6868/1176
Instrument	2025130525

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Nov 01, 2065

Interest

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3381 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7108
Transaction Type	Mortgage
Record Updated	Sep 02, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3381 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7108

Mortgage

Document Number	0060251500
Date	Aug 18, 2021
Book Page	6025/1500
Instrument	2021128376

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Sep 01, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	Other
Max Rate	8.12%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 02, 2018
Property Address	3381 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7108
Document Number	0054281958
Book / Page	5428 / 1958
Map Reference	MB16 PG34-41
Instrument Date	Nov 02, 2018
Instrument	2018164079
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,429.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9218 WHITEWILLOW RD, 9218, MORRIS, IL 60450-9212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3381 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7108

Mortgage

Document Number	2018164080
Date	Nov 02, 2018
Instrument	2018164080

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2048

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	$6,685.00 (+7.74%) Homeowner's exemption	$315,618 (+5.99%)	$477,700 (+9.44%) Land $85,000 Building $392,700
2023	$6,205.00 (+5.01%) Homeowner's exemption	$297,791 (+3%)	$436,500 (+10.53%) Land $75,000 Building $361,500
2022	$5,909.00 Homeowner's exemption	$289,118	$394,900 Land $70,000 Building $324,900

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	Low above 38% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,408 per year
Exposure	Direct burnable vegetation at the parcel

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

3381 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

October 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2018: 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

Search Property Records by Address or Parcel Number