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3845 Malawi Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3845 Malawi Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,846 sqft · built 2024
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on File
Last Sale$389,990 (Feb 2025)
Tax Bill$6,806 (2025)
Deeds & MortgagesFeb 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN322631356600012000

Property Details

APN / Parcel Number

Primary APN322631356600012000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,846 sqft Heated Area
Gross Area2,395 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,663 sqft (0.13 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area108 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3845 MALAWI TRL
CitySAINT CLOUD
StateFL
Zip34772-6413
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBUENA LAGO PH 1 & 2 PB 32 PGS 29-36 LOT 200
Legal Phase1
Legal Lot Number200
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1039
Census Tract43301

Owner

Source: Osceola County records · APN 322631356600012000

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3845 MALAWI TRL, ORLANDO, FL 32832
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 04, 2025 · Amount on Record
Deed SaleFeb 04, 2025 · Amount on Record
Deed Document Number2025014528
Deed Book / Page6735 / 392
Record UpdatedJun 08, 2026

February 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 04, 2025
Property Address3845 MALAWI TRL, SAINT CLOUD, FL 34772-6413
Document Number0067350392
Book / Page6735 / 392
Map ReferenceMB 32 PG 29-36
Instrument DateJan 31, 2025
Instrument2025014528
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,730.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3845 MALAWI TRL, SAINT CLOUD, FL 34772-6413

Mortgage

Document Number2025014529
DateFeb 04, 2025
Instrument2025014529
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2055

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,806.00 (+221.34%)$336,100 (+511.09%) Land $70,000 Building $266,100$336,100 (+511.09%) Land $70,000 Building $266,100
2023$2,118.00 (+506.88%)$55,000 (+12%) Land $55,000$55,000 (+12%) Land $55,000
2022$349.00$25,000 Land $25,000$25,000 Land $25,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 173 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies173 in force
Nearby Flood Claims14 (1987–2022)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026

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