3975 Malawi Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3975 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	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$419,990 (2024)
Tax Bill	$6,240.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`322631356600011670`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,846 sqft Heated Area
Gross Area	2,395 sqft Gross Area
Stories	1 Story
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	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	108 sqft Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3975 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 167
Legal Phase	1
Legal Lot Number	167
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43301

Owner

Source: Osceola County records · APN 322631356600011670

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	3975 MALAWI TRL, SAINT CLOUD, FL 34772-6415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 25, 2024 · Amount on Record
Deed Sale	Oct 25, 2024 · Amount on Record
Deed Document Number	2024135960
Deed Book / Page	6684 / 1852
Record Updated	Jun 08, 2026

October 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 25, 2024
Property Address	3975 MALAWI TRL, SAINT CLOUD, FL 34772-6415
Document Number	0066841852
Book / Page	6684 / 1852
Map Reference	MB 32 PG 29-36
Instrument Date	Oct 23, 2024
Instrument	2024135960
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	$2,940.00
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
Address	3975 MALAWI TRL, SAINT CLOUD, FL 34772-6415

Mortgage

Document Number	2024135961
Date	Oct 25, 2024
Instrument	2024135961

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2054

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	$6,240.00 (+165.53%) Homeowner's exemption	$336,100 (+511.09%) Land $70,000 Building $266,100	$336,100 (+511.09%) Land $70,000 Building $266,100
2023	$2,350.00 (+573.35%)	$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	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	About 1 in 199 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.