4015 Malawi Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4015 Malawi Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2023
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$419,500 (Jun 2023)
Tax Bill	$6,214 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`322631356600011570`

Property Details

APN / Parcel Number

Primary APN	`322631356600011570`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Heated Area
Gross Area	2,395 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
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

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4015 MALAWI TRL
City	SAINT CLOUD
State	FL
Zip	34772-6417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUENA LAGO PH 1 & 2 PB 32 PGS 29-36 LOT 157
Legal Phase	1
Legal Lot Number	157
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43301

Owner

4015 Malawi Trl is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4015 MALAWI TRL, SAINT CLOUD, FL 34772-6417
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Deed Document Number	2023085314
Deed Book / Page	6434 / 621
Record Updated	Jun 8, 2026

June 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2023
Property Address	4015 MALAWI TRL, SAINT CLOUD, FL 34772-6417
Document Number	0064340621
Book / Page	6434 / 621
Map Reference	MB 32 PG 29-36
Instrument Date	Jun 29, 2023
Instrument	2023085314
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,936.50
Amount Accuracy	Rounded by County
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	4015 MALAWI TRL, SAINT CLOUD, FL 34772-6417

Mortgage

Document Number	0064340622
Date	Jun 30, 2023
Book Page	6434/622
Instrument	2023085315

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4015 Malawi Trl was $6,214 with a homeowner's exemption.

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	$6,214.00 Homeowner's exemption	$334,200 Land $70,000 Building $264,200	$334,200 Land $70,000 Building $264,200
2023	$2,972.00 (+751.58%)	$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 4015 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 4015 Malawi Trl is high, ranking above 71% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Xfinity.

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