3630 Malawi Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3630 Malawi Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Vacant Land
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$469,990 (Jun 2026)
Tax Bill	$2,352 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`32-26-31-3664-0001-3110`

Property Details

APN / Parcel Number

Primary APN	`32-26-31-3664-0001-3110`
Alternative APN	`263132366400013110`

Exterior

Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	3630 MALAWI TRL
City	SAINT CLOUD
State	FL
Zip	34772-6430
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	BUENA LAGO PH 5 PB 36 PGS 1-7 LOT 311
Legal Subdivision	BUENA LAGO PHASE 5
Legal Lot Number	311
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43301

Owner

Source: Osceola County records · APN 32-26-31-3664-0001-3110

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

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	3630 MALAWI TRL, SAINT CLOUD, FL 34772-6430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 03, 2026 · Amount on Record
Deed Sale	Jun 03, 2026 · Amount on Record
Prior Sale	Jun 20, 2025 · Amount on Record
Deed Document Number	202672614
Deed Book / Page	6981 / 1831
Record Updated	Sep 20, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 03, 2026
Property Address	3630 MALAWI TRL, SAINT CLOUD, FL 34772-6430
Document Number	0000072614
Book / Page	6981 / 1831
Instrument Date	Jun 01, 2026
Instrument	202672614
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	DHI TITLE OF FLORIDA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$332,282.93
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3630 MALAWI TRL, SAINT CLOUD, FL 34772-6430

Mortgage

Document Number	0000072615,
Date	Jun 03, 2026
Instrument	202672615

Lender

Name	DHI MORTGAGE COMPANY LP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,352.00	$50,400 Land $50,400	$50,400 Land $50,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Based on FCC filings for 2 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.