Osceola County property record for 3903 Malawi Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,846 sqft · built 2024 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $409,990 (Oct 2024) |
| Tax Bill | $6,240 (2025) |
| Deeds & Mortgages | May 2025 Transfer Feb 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-26-31-3566-0001-1850 |
| Primary APN | 32-26-31-3566-0001-1850 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,846 sqft Living Area |
| Gross Area | 2,395 sqft |
| 1st Floor Area | 1,846 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 108 sqft |
| Heating System | HVAC |
|---|
| Street Address | 3903 MALAWI TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BUENA LAGO PH 1 & 2 PB 32 PGS 29-36 LOT 185 |
| Legal Subdivision | BUENA LAGO PHASE 1 2 |
| Legal Lot Number | 185 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 43301 |
Source: Osceola County records, as of March 6, 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 | 3903 MALAWI TRL, SAINT CLOUD, FL 34772-6415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| May 30, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Feb 21, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Oct 25, 2024 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2024 · Amount on Record |
| Deed Sale | Oct 25, 2024 · Amount on Record |
| Prior Sale | Apr 18, 2024 · Amount on Record |
| Deed Document Number | 2024136053 |
| Deed Book / Page | 6684 / 2603 |
| Last Transfer Date | May 28, 2025 |
| Transfer Doc | 0067952647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 30, 2025 |
| Property Address | 3903 MALAWI TRL, SAINT CLOUD, FL 34772-6415 |
| Document Number | 0067952647 |
| Book / Page | 6795 / 2647 |
| Map Reference | MB 32 PG 29 |
| Instrument Date | May 28, 2025 |
| Instrument | 2025067954 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3903 MALAWI TRL, SAINT CLOUD, FL 34772-6415 |
| Name | Verified Name |
|---|---|
| Address | 3903 MALAWI TRL, SAINT CLOUD, FL 34772-6415 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 21, 2025 |
| Property Address | 3903 MALAWI TRL, SAINT CLOUD, FL 34772-6415 |
| Document Number | 0067432184 |
| Book / Page | 6743 / 2184 |
| Map Reference | MB 32 PG 29 |
| Instrument Date | Nov 21, 2024 |
| Instrument | 2025022526 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3903 MALAWI TRL, SAINT CLOUD, FL 34772-6415 |
| Name | Verified Name |
|---|---|
| Address | 3903 MALAWI TRL, SAINT CLOUD, FL 34772-6415 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 25, 2024 |
| Property Address | 3903 MALAWI TRL, SAINT CLOUD, FL 34772-6415 |
| Document Number | 0066842603 |
| Book / Page | 6684 / 2603 |
| Map Reference | MB 32 PG 29-36 |
| Instrument Date | Oct 24, 2024 |
| Instrument | 2024136053 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Address | 3903 MALAWI TRL, SAINT CLOUD, FL 34772-6415 |
| Document Number | 2024136054 |
|---|---|
| Date | Oct 25, 2024 |
| Instrument | 2024136054 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2054 |
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 | $6,240.00 (+203.35%) | $336,100 (+511.09%) Land $70,000 Building $266,100 | $336,100 (+511.09%) Land $70,000 Building $266,100 |
| 2024 | $2,057.00 (-2.88%) | ||
| 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.
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 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 | Moderate above 68% of the US · above 47% 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.
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