Osceola County property record for 4103 Malawi Trl, Saint Cloud, FL 34772
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,452 sqft · built 2023 |
| Lot Size | 0.039 acres (1,742 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $312,990 (Nov 2023) |
| Tax Bill | $4,381 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 322631356600014970 |
| Primary APN | 322631356600014970 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,452 sqft Heated Area |
| Gross Area | 1,728 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,742 sqft (0.039 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 4103 MALAWI TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6421 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | BUENA LAGO PH 1 & 2 PB 32 PGS 29-36 LOT 497 |
| Legal Phase | 1 |
| Legal Lot Number | 497 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 43301 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 4103 MALAWI TRL, SAINT CLOUD, FL 34772-6421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2023 · Amount on Record |
| Deed Sale | Nov 16, 2023 · Amount on Record |
| Deed Document Number | 2023151234 |
| Deed Book / Page | 6506 / 823 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 16, 2023 |
| Property Address | 4103 MALAWI TRL, SAINT CLOUD, FL 34772-6421 |
| Document Number | 0065060823 |
| Book / Page | 6506 / 823 |
| Map Reference | MB 32 PG 29-36 |
| Instrument Date | Nov 14, 2023 |
| Instrument | 2023151234 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 7, 2023 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,191.00 |
| 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 | 4103 MALAWI TRL, SAINT CLOUD, FL 34772-6421 |
| Document Number | 0006506824 |
|---|---|
| Date | Nov 16, 2023 |
| Instrument | 6506/824 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,381.00 (+340.3%) Homeowner's exemption | $256,400 (+2,036.67%) Land $40,000 Building $216,400 | $256,400 (+2,036.67%) Land $40,000 Building $216,400 |
| 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 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
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: 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures