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2859 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2859 Harlow Ave, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2020
Square Footage2,479 sqft Living Area
Lot Size8,276 sqft (0.19 acres)
OccupancyOwner Occupied
Last Sale$298,100 (2020)
Tax Bill$4,396.00 (2024)

Property Details

APN / Parcel Number

Primary APN19-26-31-0161-0001-2020
Alternative APN
  • 263119016100012020

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,479 sqft Living Area
Gross Area3,327 sqft Gross Area
1st Floor2,479 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureMasonry Interior Structure

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached Garage
Garage Area596 sqft Garage

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2859 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 202
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4
Legal Phase4
Legal Lot Number202
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0161-0001-2020

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 Record2 Company Names on File
Mailing Address2859 HARLOW AVE, SAINT CLOUD, FL 34772-8995
OccupancyOwner Occupied
Owner TypeOwner is a Company
VestingOwner is a Trust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Dec 23, 2025Deed of Trust, Mortgage · Line of Credit
WEST CAPITAL LENDING INC
Feb 17, 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 SaleFeb 17, 2020 · Amount on Record
Deed SaleFeb 17, 2020 · Amount on Record
Deed Doc Number202023128
Deed Book / Page5675 / 543
Record RefreshedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2859 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Transaction TypeMortgage
Record UpdatedJan 09, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2859 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0068980080
DateDec 23, 2025
Book Page6898/80
Instrument2025156557
Lender
NameWEST CAPITAL LENDING INC
TypeMortgage Company
AddressIRVINE, CA 92614
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueJan 02, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

February 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 17, 2020
Property Address2859 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0056750543
Book / Page5675 / 543
Map ReferenceMB 26 PG 79-82
Instrument DateFeb 12, 2020
Instrument2020023128
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyINNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,086.70
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
Address2859 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0056750545
DateFeb 17, 2020
Instrument5675/0545
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2050

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address2859 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 Address2859 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 November 26, 2025 · Last verified June 2026

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$4,678.00 (+6.41%)$192,646 (+5.99%)$402,400 (-1.45%) Land $70,000 Building $332,400
2024$4,396.00 (+2.78%)
2023$4,277.00 (+0.28%) Homeowner's exemption Widower's exemption$181,765 (+3%)$408,300 (+32.78%) Land $60,000 Building $348,300
2022$4,265.00 Homeowner's exemption Widower's exemption$176,471$307,500 Land $55,000 Building $252,500

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 A, within 100 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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