Osceola County property record for 4109 Malawi Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,452 sqft · built 2023 |
| Lot Size | 0.039 acres (1,742 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Nov 2023) |
| Tax Bill | $4,381 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 322631356600015000 |
| Primary APN | 322631356600015000 |
|---|
| 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 | 4109 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 500 |
| Legal Phase | 1 |
| Legal Lot Number | 500 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 43301 |
Source: Osceola County records · APN 322631356600015000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4109 MALAWI TRL, SAINT CLOUD, FL 34772-6421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 08, 2023 · Amount on Record |
| Deed Sale | Nov 08, 2023 · Amount on Record |
| Deed Document Number | 0065051918 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4109 MALAWI TRL, SAINT CLOUD, FL 34772-6421 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Name | Verified Name |
|---|---|
| Address | 7939 NEW RIVER DR, ORLANDO, FL 32821-5447 |
| Document Number | 0065051919 |
|---|---|
| Date | Nov 15, 2023 |
| Book Page | 6505/1919 |
| Instrument | 2023150474 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78750 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 (+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 |
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 |
May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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