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2851 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2851 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2020
Square Footage2,339 sqft Heated Area
Lot Size8,276 sqft (0.189 acres)
OccupancyOwner Occupied
Last Sale$380,000 (2025)
Tax Bill$8,166.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016100012000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,339 sqft Heated Area
Gross Area3,094 sqft Gross Area
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,276 sqft (0.189 acres)
Garage TypeFinished Garage
PorchOpen Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2851 HARLOW AVE
CitySAINT CLOUD
StateFL
Zip34772-8995
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 200
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase4
Legal Tract161
Legal Lot Number200
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016100012000

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address425 61ST ST APT 2B, 2B, BROOKLYN, NY 11220-4547
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 04, 2025Warranty Deed, Transfer
FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY
May 16, 2023Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA
Jun 30, 2020Special Warranty Deed, Transfer · Conventional Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 04, 2025 · Amount on Record
Deed SaleNov 04, 2025 · Amount on Record
Prior SaleMay 16, 2023 · Amount on Record
Deed Doc Number2025136399
Deed Book / Page6875 / 840
Record RefreshedJun 08, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 04, 2025
Property Address2851 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0068750840
Book / Page6875 / 840
Map ReferenceMB 26 PG 79-82
Instrument DateOct 30, 2025
Instrument2025136399
Transaction TypeTransfer
Record UpdatedNov 13, 2025
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

AmountAmount Recorded
Tax$2,660.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address7021 ROSY SKY AVE, ORLANDO, FL 32829-3051

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address425 61ST ST APT 2B, 2B, BROOKLYN, NY 11220-4547

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 16, 2023
Property Address2851 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0064070864
Book / Page6407 / 864
Map ReferenceMB 26 PG 79
Instrument DateMay 11, 2023
Instrument2023061829
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyMAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,080.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4265 S BABCOCK ST, MELBOURNE, FL 32901-9007

Transferred To (Grantee/Buyer)

NameVerified Name
Address1294 S BURDOCK DR, TUCSON, AZ 85713-4640

Mortgage

Document Number0006407866
DateMay 16, 2023
Instrument6407/866
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2053

June 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 30, 2020
Property Address2851 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0057462451
Book / Page5746 / 2451
Map ReferenceMB 26 PG 79
Instrument DateJun 26, 2020
Instrument2020084498
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyINNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,142.70
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address2851 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0057462453
DateJun 30, 2020
Instrument5746/2453
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2050

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address2851 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0055190560
Book / Page005519 / 000560
Instrument DateMay 02, 2019
Instrument57689
Transaction TypeTransfer
Record UpdatedMay 16, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$13,055.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058
InvestorPossibly a Property Investor

October 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateOct 30, 2019
Property Address2851 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0056142413
Book / Page005614 / 002413
Instrument DateMay 02, 2019
Instrument140803
Transaction TypeTransfer
Record UpdatedNov 12, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$8,166.00 (+2.45%) Homeowner's exemption$382,500 (-) Land $70,000 Building $312,500$382,500 (-) Land $70,000 Building $312,500
2024$7,971.00 (+29.59%) Homeowner's exemption$382,500 (+36.21%) Land $65,000 Building $317,500$382,500 (-1.26%) Land $65,000 Building $317,500
2023$6,151.00 (+2.4%) Homeowner's exemption$280,820 (+3%)$387,400 (+16.23%) Land $60,000 Building $327,400
2022$6,007.00 Homeowner's exemption$272,641$333,300 Land $55,000 Building $278,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskModerate
above 61% of the US · above 34% of Florida
Wildfire LikelihoodAbout 1 in 493 per year
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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