3849 Malawi Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3849 Malawi Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2024
Square Footage	1,846 sqft Heated Area
Lot Size	6,098 sqft (0.139 acres)
Occupancy	Owner Occupied
Last Sale	$394,990 (2025)
Tax Bill	$6,808.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`322631356600011990`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,846 sqft Heated Area
Gross Area	2,400 sqft Gross Area
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	113 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3849 MALAWI TRL
City	SAINT CLOUD
State	FL
Zip	34772-6413
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	BUENA LAGO PH 1 & 2 PB 32 PGS 29-36 LOT 199
Legal Phase	1
Legal Lot Number	199
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1039
Census Tract	43301

Owner

Source: Osceola County records · APN 322631356600011990

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	3849 MALAWI TRL, SAINT CLOUD, FL 34772-6413
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	Apr 03, 2025 · Amount on Record
Deed Sale	Apr 03, 2025 · Amount on Record
Deed Doc Number	2025041574
Deed Book / Page	6764 / 2262
Record Refreshed	Jun 08, 2026

April 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 03, 2025
Property Address	3849 MALAWI TRL, SAINT CLOUD, FL 34772-6413
Document Number	0067642262
Book / Page	6764 / 2262
Map Reference	MB 32 PG 29
Instrument Date	Mar 28, 2025
Instrument	2025041574
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	3849 MALAWI TRL, SAINT CLOUD, FL 34772-6413

Mortgage

Document Number	0067642263
Date	Apr 03, 2025
Instrument	6764/2263

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2055

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
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	$6,808.00 (+221.44%)	$336,200 (+511.27%) Land $70,000 Building $266,200	$336,200 (+511.27%) Land $70,000 Building $266,200
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 · 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

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.