4027 Malawi Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4027 Malawi Trl, Saint Cloud, FL 34772 · Last verified December 2025

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	$394,990 (Apr 2023)
Tax Bill	$6,781 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`322631356600011540`

Property Details

APN / Parcel Number

Primary APN	`322631356600011540`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Heated Area
Gross Area	2,400 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	113 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4027 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 154
Legal Phase	1
Legal Lot Number	154
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43301

Owner

Source: Osceola County records · APN 322631356600011540

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
Mailing Address	4027 MALAWI TRL, SAINT CLOUD, FL 34772-6417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 21, 2023 · Amount on Record
Deed Sale	Apr 21, 2023 · Amount on Record
Deed Document Number	2023048177
Deed Book / Page	6392 / 1879
Record Updated	Jun 08, 2026

April 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 21, 2023
Property Address	4027 MALAWI TRL, SAINT CLOUD, FL 34772
Document Number	0063921879
Book / Page	6392 / 1879
Map Reference	MB 32 PG 29-36
Instrument Date	Apr 19, 2023
Instrument	2023048177
Transaction Type	Subdivision Related Transfer
Record Updated	May 03, 2023
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	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	4027 MALAWI TRL, SAINT CLOUD, FL 34772

Mortgage

Document Number	0063921880
Date	Apr 21, 2023
Instrument	6392/1880

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

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	$6,781.00 (+128.16%)	$334,300 (+507.82%) Land $70,000 Building $264,300	$334,300 (+507.82%) Land $70,000 Building $264,300
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 173 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force 157 of 173 on primary residences
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Flood Events	Hurricane Irma (Sep 2017), 8 claims

Wildfire

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	About 1 in 220 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.