3491 Pawleys Loop N, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3491 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	3,447 sqft Heated Area
Lot Size	10,062 sqft (0.23 acres)
Occupancy	Owner Occupied
Last Sale	$256,000 (2015)
Tax Bill	$15,303.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`120822`
Alternative APN	`152630070000014580`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	3,447 sqft Heated Area
Gross Area	4,573 sqft Gross Area
1st Floor	1,627 sqft 1st Floor
Upper Floors	1,820 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,062 sqft (0.23 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	676 sqft Garage

Exterior Amenities

Pool Area	392 sqft Pool
Deck Area	588 sqft Deck
Porch	Open Porch
Porch Area	450 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	120822
Street Address	3491 PAWLEYS LOOP N
City	SAINT CLOUD
State	FL
Zip	34769-7109
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 458
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	458
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3024
Census Tract	43208

Owner

Source: Osceola County records · APN 120822

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
Mailing Address	3491 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7109
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 04, 2015 · Amount on Record
Deed Sale	Sep 04, 2015 · Amount on Record
Prior Sale	Jan 15, 2010 · Amount on Record
Deed Doc Number	2015133106
Deed Book / Page	4837 / 2304
Record Refreshed	Jun 08, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3491 PAWLEYS LOOP N, SAINT CLOUD, FL 34769-7109
Document Number	0057641379
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 01, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	2524 TYBEE RD ST CLOUD FL 347697116, ST CLOUD, FL 34769-7116

Mortgage

Document Number	0057641379
Date	Jul 29, 2020
Book Page	005764/001379
Instrument	99285

Lender

Name	NP INC
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 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	$15,303.00 (+76.02%)	$487,600 (+9.16%) Land $85,000 Building $402,600	$487,600 (+9.16%) Land $85,000 Building $402,600
2023	$8,694.00 (+9.94%)	$446,700 (+10.19%) Land $75,000 Building $371,700	$446,700 (+10.19%) Land $75,000 Building $371,700
2022	$7,908.00	$405,400 Land $70,000 Building $335,400	$405,400 Land $70,000 Building $335,400

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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