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3421 Pawleys Loop N, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3421 Pawleys Loop N, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2005
Square Footage2,050 sqft Heated Area
Lot Size9,583 sqft (0.219 acres)
OccupancyOwner Occupied
Last Sale$480,000 (2023)
Tax Bill$7,020.00 (2025)

Property Details

APN / Parcel Number

Primary APN120815
Alternative APN
  • 152630070000014510

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,050 sqft Heated Area
Gross Area2,704 sqft Gross Area
1st Floor2,050 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2005
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,583 sqft (0.219 acres)
Depth X Width120 ft x 80 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area400 sqft Garage

Exterior Amenities

Pool TypeSpa/Hot Tub (Only) Pool Type
Pool Area16 sqft Pool
Deck Area828 sqft Deck
PorchOpen Porch
Porch Area254 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number120815
Street Address3421 PAWLEYS LOOP N
CitySAINT CLOUD
StateFL
Zip34769-7109
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 451
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number451
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3024
Census Tract43208

Owner

Source: Osceola County records · APN 120815

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 Address3421 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7109
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 03, 2023Warranty Deed, Transfer · Conventional Mortgage
PNC BANK NA
Dec 09, 2021Deed of Trust, Mortgage · Conventional Mortgage
ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 03, 2023 · Amount on Record
Deed SaleFeb 03, 2023 · Amount on Record
Deed Doc Number2023014110
Deed Book / Page6353 / 2897
Record RefreshedJun 08, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 03, 2023
Property Address3421 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7109
Document Number0063532897
Book / Page6353 / 2897
Map ReferenceMB 16 PG 34-41
Instrument DateFeb 02, 2023
Instrument2023014110
Transaction TypeTransfer
Record UpdatedFeb 17, 2023
Title CompanyRED DOOR TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,360.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3826 KYLE DR, SAINT CLOUD, FL 34772-7031

Transferred To (Grantee/Buyer)

NameVerified Name
Address3421 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7109

Mortgage

Document Number0063532899
DateFeb 03, 2023
Instrument6353/2899
Lender
NamePNC BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2053

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3421 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7109
Transaction TypeMortgage
Record UpdatedDec 27, 2021
Title CompanyACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3421 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7109

Mortgage

Document Number0061041929
DateDec 09, 2021
Book Page6104/1929
Instrument2021190320
Lender
NameROYAL UNITED MORTGAGE LLC
TypeMortgage Company
AddressINDIANAPOLIS, IN 46250
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJan 01, 2037

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$7,020.00 (+113.89%) Homeowner's exemption Senior Citizen's exemption$346,000 (+146.29%) Land $85,000 Building $261,000$346,000 (+9.67%) Land $85,000 Building $261,000
2023$3,282.00 (+4.26%) Homeowner's exemption Disabled Person's exemption$140,486 (+3%)$315,500 (+9.74%) Land $75,000 Building $240,500
2022$3,148.00 Homeowner's exemption Disabled Person's exemption$136,395$287,500 Land $70,000 Building $217,500

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 RiskLow
above 38% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 1,408 per year
ExposureDirect
burnable vegetation at the parcel

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

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