3440 Pawleys Loop N, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3440 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	3,190 sqft Heated Area
Lot Size	11,805 sqft (0.271 acres)
Occupancy	Owner Occupied
Last Sale	$361,750 (2020)
Tax Bill	$7,093.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`120862`
Alternative APN	`152630070000014980`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	3,190 sqft Heated Area
Gross Area	3,987 sqft Gross Area
1st Floor	2,716 sqft 1st Floor
Upper Floors	474 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
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	11,805 sqft (0.271 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	589 sqft Garage

Exterior Amenities

Pool Area	420 sqft Pool
Deck Area	660 sqft Deck
Porch	Open Porch
Porch Area	208 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	120862
Street Address	3440 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 498
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	498
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3030
Census Tract	43208

Owner

Source: Osceola County records · APN 120862

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	3440 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	May 04, 2020 · Amount on Record
Deed Sale	May 04, 2020 · Amount on Record
Prior Sale	Sep 19, 2006 · Amount on Record
Deed Doc Number	2020059713
Deed Book / Page	5717 / 406
Record Refreshed	Jun 08, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 04, 2020
Property Address	3440 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7105
Document Number	0057170406
Book / Page	5717 / 406
Map Reference	MB 16 PG 34
Instrument Date	Apr 30, 2020
Instrument	2020059713
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,532.60
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2750 ROXBURGH DR, 2750, ROSWELL, GA 30076-2451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7105

Mortgage

Document Number	0057170407
Date	May 04, 2020
Instrument	5717/0407

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

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	$7,093.00 (+7.58%) Homeowner's exemption	$338,447 (+5.99%)	$479,300 (+9.08%) Land $85,000 Building $394,300
2023	$6,593.00 (+4.88%) Homeowner's exemption	$319,330 (+3%)	$439,400 (+10.15%) Land $75,000 Building $364,400
2022	$6,286.00 Homeowner's exemption	$310,030	$398,900 Land $70,000 Building $328,900

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.