3420 Pawleys Loop N, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3420 Pawleys Loop N, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2005
Square Footage	2,735 sqft Heated Area
Lot Size	9,583 sqft (0.219 acres)
Garage	Finished, 589 sqft
Occupancy	Owner Occupied
Tax Bill	$4,265.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`120860`
Alternative APN	`152630070000014960`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,735 sqft Heated Area
Gross Area	3,609 sqft Gross Area
1st Floor	2,735 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
Exterior Material	Brick Exterior
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	589 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	300 sqft Pool
Deck Area	840 sqft Deck
Porch	Open Porch
Porch Area	285 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	120860
Street Address	3420 PAWLEYS LOOP N
City	SAINT CLOUD
State	FL
Zip	34769-7105
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 496
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	496
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3030
Census Tract	43208

Owner

Source: Osceola County records · APN 120860

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	3420 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7105
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 27, 2020
Deed Sale	Aug 27, 2020
Deed Doc Number	2005155725
Deed Book / Page	2834 / 2667
Prior Transfer Date	Jul 11, 2005
Prior Transfer Doc	2005155725
Record Refreshed	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3420 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7105
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7105

Mortgage

Document Number	0058400528
Date	Nov 25, 2020
Book Page	5840/528
Instrument	2020161500

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2035

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	$4,265.00 (+9.14%) Homeowner's exemption	$180,443 (+5.99%)	$432,500 (+9.58%) Land $85,000 Building $347,500
2023	$3,908.00 (+6.25%) Homeowner's exemption	$170,251 (+3%)	$394,700 (+10.19%) Land $75,000 Building $319,700
2022	$3,678.00 Homeowner's exemption	$165,293	$358,200 Land $70,000 Building $288,200

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.