3651 Pawleys Loop S, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3651 Pawleys Loop S, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2006
Square Footage	2,434 sqft Heated Area
Lot Size	9,801 sqft (0.225 acres)
Occupancy	Owner Occupied
Last Sale	$399,900 (2022)
Tax Bill	$6,770.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`120756`
Alternative APN	`152630070000013920`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,434 sqft Heated Area
Gross Area	3,074 sqft Gross Area
1st Floor	2,434 sqft 1st Floor
Stories	1 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	9,801 sqft (0.225 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	400 sqft Garage
Fence	Fence
Porch	Open Porch
Porch Area	240 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	120756
Street Address	3651 PAWLEYS LOOP S
City	SAINT CLOUD
State	FL
Zip	34769-7112
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 392
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	392
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3027
Census Tract	43208

Owner

Source: Osceola County records · APN 120756

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	3651 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7112
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	Mar 01, 2022 · Amount on Record
Deed Sale	Mar 01, 2022 · Amount on Record
Prior Sale	Sep 06, 2012 · Amount on Record
Deed Doc Number	2022033147
Deed Book / Page	6161 / 721
Record Refreshed	Jun 08, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 01, 2022
Property Address	3651 PAWLEYS LOOP S, SAINT CLOUD, FL 34769-7112
Document Number	0061610721
Book / Page	6161 / 721
Map Reference	MB 16 PG 34-41
Instrument Date	Feb 22, 2022
Instrument	2022033147
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,799.30
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 MAUREEN DR, 80, MIDDLETOWN, NY 10940-6680

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3184 SANTA CRUZ DR, KISSIMMEE, FL 34746-3558

Mortgage

Document Number	0006161723
Date	Mar 01, 2022
Instrument	6161/723

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2052

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	$6,770.00 (+7.7%) Homeowner's exemption	$320,361 (+5.99%)	$387,800 (+9.33%) Land $85,000 Building $302,800
2023	$6,286.00 (-2.39%) Homeowner's exemption	$302,266 (-4.59%)	$354,700 (+11.96%) Land $75,000 Building $279,700
2022	$6,440.00	$316,800 Land $70,000 Building $246,800	$316,800 Land $70,000 Building $246,800

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.