Osceola County property record for 3678 Malawi Trl, Saint Cloud, FL 34772
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $469,990 (Apr 2026) |
| Tax Bill | $2,352 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 32-26-31-3664-0001-3230 |
| Primary APN | 32-26-31-3664-0001-3230 |
|---|---|
| Alternative APN |
|
| Lot Area | 6,098 sqft (0.14 acres) |
|---|
| Street Address | 3678 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 323 |
| Legal Subdivision | BUENA LAGO PHASE 5 |
| Legal Lot Number | 323 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 43301 |
Source: Osceola County records, as of July 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3678 MALAWI TRL, SAINT CLOUD, FL 34772-6430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Apr 6, 2026 | Special Warranty Deed, Transfer · FHA Mortgage DHI MORTGAGE COMPANY LP |
| Apr 6, 2026 | Special Warranty Deed, Transfer · FHA Mortgage DHI MORTGAGE COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2026 · Amount on Record |
| Deed Sale | Apr 6, 2026 · Amount on Record |
| Prior Sale | Jun 20, 2025 · Amount on Record |
| Deed Document Number | 202645397 |
| Deed Book / Page | 6950 / 1557 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 6, 2026 |
| Property Address | 3678 MALAWI TRL, SAINT CLOUD, FL 34772-6430 |
| Document Number | 0000045397 |
| Book / Page | 6950 / 1557 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202645397 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | DHI TITLE OF FLORIDA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $332,282.93 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3678 MALAWI TRL, SAINT CLOUD, FL 34772-6430 |
| Document Number | 0000045398, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 202645398 |
| Name | DHI MORTGAGE COMPANY LP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 6, 2026 |
| Property Address | 3678 MALAWI TRL, SAINT CLOUD, FL 34772-6430 |
| Document Number | 0069501557 |
| Book / Page | 6950 / 1557 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202645397 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | DHI TITLE OF FLORIDA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $332,282.93 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3678 MALAWI TRL, SAINT CLOUD, FL 34772-6430 |
| Document Number | 0000045398, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 202645398 |
| Name | DHI MORTGAGE COMPANY LP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,352.00 | $50,400 Land $50,400 | $50,400 Land $50,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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