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3510 Pawleys Loop S, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3510 Pawleys Loop S, Saint Cloud, FL 34769 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2006
Square Footage2,052 sqft Living Area
Lot Size9,583 sqft (0.22 acres)
OccupancyOwner Occupied
Last Sale$410,000 (2026)
Tax Bill$4,613.00 (2025)

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-4690
Alternative APNs
  • 263015070000014690
  • 120833

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,052 sqft Living Area
Gross Area2,762 sqft Gross Area
1st Floor2,052 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,583 sqft (0.22 acres)
Depth X Width120 ft x 80 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area440 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area60 sqft Pool
Deck Area960 sqft Deck
Porch Area530 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3510 PAWLEYS LOOP S
CitySAINT CLOUD
StateFL
Zip34769-7101
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 469
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block4690
Legal Lot Number469
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3029
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-4690

Assessment roll updated November 26, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3510 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7101
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 08, 2026Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Apr 08, 2026Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
May 14, 2020Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE AFFINITY LLC
Aug 02, 2018Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
REAL EST MTG NTWK
May 17, 2018Warranty Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 08, 2026 · Amount on Record
Deed SaleApr 08, 2026 · Amount on Record
Prior SaleMay 25, 2018 · Amount on Record
Deed Doc Number202646958
Deed Book / Page6952 / 754
Record RefreshedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 08, 2026
Property Address3510 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7101
Document Number0000046958
Book / Page6952 / 754
Instrument DateMar 26, 2026
Instrument202646958
Transaction TypeTransfer
Record UpdatedApr 17, 2026
Title CompanyTITLE ONE, TITLE TOWN

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$289,870.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address3510 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7101
InvestorPossibly a Property Investor

Mortgage

Document Number0000046959,
DateApr 08, 2026
Instrument202646959
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate5.98%
Max Rate-1%

Mortgage

Document Number0000046960,
DateApr 08, 2026
Book Page6952/779
Instrument202646960
Lender
NameFLORIDA HOUSING FINANCE CORP
Agreement
AmountAmount Recorded
Interest
Rate5.98%
Max Rate-1%

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 08, 2026
Property Address3510 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7101
Document Number0069520754
Book / Page6952 / 754
Instrument DateMar 26, 2026
Instrument202646958
Transaction TypeTransfer
Record UpdatedJul 02, 2026
Title CompanyTITLE ONE, TITLE TOWN

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$289,870.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address3510 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7101
InvestorPossibly a Property Investor

Mortgage

Document Number0000046959,
DateApr 08, 2026
Instrument202646959
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate5.98%
Max Rate-1%

Mortgage

Document Number0000046960,
DateApr 08, 2026
Book Page6952/779
Instrument202646960
Lender
NameFLORIDA HOUSING FINANCE CORP
Agreement
AmountAmount Recorded
Interest
Rate5.98%
Max Rate-1%

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3510 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7101
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057220966
DateMay 14, 2020
Book Page5722/966
Instrument2020064174
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2050

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3510 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7101
Document Number0053792845
Instrument DateAug 02, 2018
Transaction TypeMortgage
Record UpdatedAug 17, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2313 BALLARD COVE RD KISSIMMEE FL 347582252, KISSIMMEE, FL 34758-2252

Mortgage

Document Number0053792845
DateAug 06, 2018
Book Page005379/002845
Instrument119728
Lender
NameREAL EST MTG NTWK
TypeMortgage Company
AddressISELIN, NJ 08830
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueAug 05, 2048

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 17, 2018
Property Address3510 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7101
Document Number0053360345
Book / Page5336 / 0345
Map ReferenceMB16 PG34-41
Instrument DateMay 15, 2018
Instrument2018078650
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyEQUITABLE TITLE OF WEST ORLA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2848 LAFAYETTE TRACE DR, 2848, SAINT CLOUD, FL 34772-8719

Transferred To (Grantee/Buyer)

NameVerified Name
Address3510 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7101

Mortgage

Document Number2018078651
DateMay 17, 2018
Instrument2018078651
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

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$4,613.00 (+2.17%) Homeowner's exemption$199,857 (+21.3%)$368,300 (+16.48%) Land $85,000 Building $283,300
2024$4,515.00 (+18.54%)
2023$3,809.00 (+6.34%) Homeowner's exemption$164,763 (+3%)$316,200 (+10.41%) Land $75,000 Building $241,200
2022$3,582.00 Homeowner's exemption$159,965$286,400 Land $70,000 Building $216,400

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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