3855 Malawi Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3855 Malawi Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,690 sqft · built 2024
Lot Size	0.15 acres (6,534 sqft)
Owner	Trust Name on File
Last Sale	$403,990 (Nov 2024)
Tax Bill	$3,822 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`322631356600011970`

Property Details

APN / Parcel Number

Primary APN	`322631356600011970`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,690 sqft Heated Area
Gross Area	2,267 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3855 MALAWI TRL
City	SAINT CLOUD
State	FL
Zip	34772-6413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUENA LAGO PH 1 & 2 PB 32 PGS 29-36 LOT 197
Legal Phase	1
Legal Lot Number	197
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43301

Owner

3855 Malawi Trl is owner-occupied and held in a trust since November 2024.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	3855 MALAWI TRL, SAINT CLOUD, FL 34772-6413
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2024 · Amount on File
Deed Sale	Nov 15, 2024 · Amount on File
Deed Document Number	2024146447
Deed Book / Page	6697 / 2256
Record Updated	Jun 8, 2026

November 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 15, 2024
Property Address	3855 MALAWI TRL, SAINT CLOUD, FL 34772-6413
Document Number	0066972256
Book / Page	6697 / 2256
Map Reference	MB 32 PG 29-36
Instrument Date	Nov 14, 2024
Instrument	2024146447
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,828.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3855 MALAWI TRL, SAINT CLOUD, FL 34772-6413

Mortgage

Document Number	2024146448
Date	Nov 15, 2024
Instrument	2024146448

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 3855 Malawi Trl was $3,822 with exemptions applied.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,822.00 Homeowner's exemption Widower's exemption	$166,565	$322,300 Land $70,000 Building $252,300
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

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

Flood

FEMA maps place 3855 Malawi Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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.

Wildfire

Wildfire risk around 3855 Malawi Trl is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 74% of the US · above 60% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.