Osceola County property record for 4092 Malawi Trl, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,452 sqft · built 2023 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,500 (Feb 2026) |
| Tax Bill | $4,381 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Feb 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-26-31-3566-0001-5390 |
| Primary APN | 32-26-31-3566-0001-5390 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,452 sqft Living Area |
| Gross Area | 1,728 sqft |
| 1st Floor Area | 604 sqft |
| Flooring | Tile |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 80 sqft |
| Heating System | Central |
|---|
| Street Address | 4092 MALAWI TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BUENA LAGO PH 1 & 2 PB 32 PGS 29-36 LOT 539 |
| Legal Subdivision | BUENA LAGO PHASE 1 2 |
| Legal Lot Number | 539 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 43301 |
Source: Osceola County records · APN 32-26-31-3566-0001-5390
Assessment roll updated November 26, 2025 · Last verified July 2026
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 | 3117 E CUMBERLAND ST, PHILADELPHIA, PA 19125 |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Apr 07, 2026 | Correction Deed, Transfer GLOBAL INTERNATIONAL TITLE |
| Feb 06, 2026 | Warranty Deed, Transfer UNKNOWN, GLOBAL INTERNATIONAL TITLE |
| Aug 10, 2023 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 06, 2026 · Amount on Record |
| Deed Sale | Feb 06, 2026 · Amount on Record |
| Prior Sale | Aug 10, 2023 · Amount on Record |
| Deed Document Number | 202616658 |
| Deed Book / Page | 6919 / 204 |
| Prior Transfer Date | Jan 30, 2026 |
| Prior Transfer Doc | 0000046700 |
| Record Updated | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 07, 2026 |
| Property Address | 4092 MALAWI TRL, SAINT CLOUD, FL 34772-6418 |
| Document Number | 0000046700 |
| Book / Page | 6951 / 2779 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 202646700 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | GLOBAL INTERNATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 06, 2026 |
| Property Address | 4092 MALAWI TRL, SAINT CLOUD, FL 34772-6418 |
| Document Number | 0069190204 |
| Book / Page | 6919 / 204 |
| Map Reference | MB 32 PG 29-36 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 2026016658 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Title Company | UNKNOWN, GLOBAL INTERNATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,823.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10554 LAKE MONTEREY DR APT 301, 301, ORLANDO, FL 32821-6057 |
| Name | Verified Name |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 10, 2023 |
| Property Address | 4092 MALAWI TRL, SAINT CLOUD, FL 34772-6418 |
| Document Number | 0064542776 |
| Book / Page | 6454 / 2776 |
| Map Reference | MB 32 PG 29-36 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 2023103841 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 20, 2026 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4092 MALAWI TRL, SAINT CLOUD, FL 34772-6418 |
| Document Number | 0064542777 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 6454/2777 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2053 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,381.00 (-12.05%) | $256,400 (+2,036.67%) Land $40,000 Building $216,400 | $256,400 (+2,036.67%) Land $40,000 Building $216,400 |
| 2024 | $4,981.00 (+400.6%) | ||
| 2023 | $995.00 (+495.81%) | $12,000 (-) Land $12,000 | $12,000 (-) Land $12,000 |
| 2022 | $167.00 | $12,000 Land $12,000 | $12,000 Land $12,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Nearby Flood Claims | 14 (1987–2022) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2022, river or lake flooding, Hurricane Ian |
| Claims By Storm |
|
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 137 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Fiber | 1,000 / 1,000 |
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