Osceola County property record for 4102 Malawi Trl, Saint Cloud, FL 34772 · Last verified June 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 | $247,000 (May 2026) |
| Tax Bill | $4,311 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-26-31-3566-0001-5340 |
| Primary APN | 32-26-31-3566-0001-5340 |
|---|---|
| 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 | 4102 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 534 |
| Legal Subdivision | BUENA LAGO PHASE 1 2 |
| Legal Lot Number | 534 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 43301 |
Source: Osceola County records · APN 32-26-31-3566-0001-5340
Assessment roll updated November 26, 2025 · Last verified June 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 | 2960 WORTHING DR, 108, SAINT CLOUD, FL 34769-7241 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| May 05, 2026 | Warranty Deed, Transfer · Conventional Mortgage CAPE MORTGAGE CORPORATION |
| Aug 10, 2023 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 05, 2026 · Amount on Record |
| Deed Sale | May 05, 2026 · Amount on Record |
| Prior Sale | Aug 10, 2023 · Amount on Record |
| Deed Document Number | 202658948 |
| Deed Book / Page | 6966 / 718 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 05, 2026 |
| Property Address | 4102 MALAWI TRL, SAINT CLOUD, FL 34772-6418 |
| Document Number | 0000058948 |
| Book / Page | 6966 / 718 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 2026.58948 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Title Company | MEMBERS TITLE LLC, MEMBERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $174,629.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000058949, |
|---|---|
| Date | May 05, 2026 |
| Instrument | 2026..58949 |
| Name | CAPE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 10, 2023 |
| Property Address | 4102 MALAWI TRL, SAINT CLOUD, FL 34772-6418 |
| Document Number | 0064552138 |
| Book / Page | 6455 / 2138 |
| Map Reference | MB 32 PG 29-36 |
| Instrument Date | Aug 09, 2023 |
| Instrument | 2023104425 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 4102 MALAWI TRL, SAINT CLOUD, FL 34772-6418 |
| Document Number | 0064552142 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 6455/2142 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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 | $4,311.00 (-1.01%) | $256,400 (+2,036.67%) Land $40,000 Building $216,400 | $256,400 (+2,036.67%) Land $40,000 Building $216,400 |
| 2024 | $4,355.00 (+337.69%) | ||
| 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 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 |
|
| 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.
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