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2863 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2863 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage1,556 sqft Heated Area
Lot Size7,405 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$390,000 (2025)
Tax Bill$6,702.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016100012030

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,556 sqft Heated Area
Gross Area2,171 sqft Gross Area
1st Floor1,556 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,405 sqft (0.169 acres)
Garage TypeFinished Garage
Garage Area399 sqft Garage
PorchOpen Porch
Porch Area216 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2863 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 203
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase4
Legal Tract161
Legal Lot Number203
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016100012030

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
Mailing Address10825 SW 112TH AVE APT 218, 218, MIAMI, FL 33176-3273
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 02, 2023Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CROSSCOUNTRY MORTGAGE LLC
Dec 21, 2021Deed of Trust, Mortgage · Stand Alone Second Mortgage
FREEDOM MORTGAGE CORP
Mar 02, 2020Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 29, 2025 · Amount on Record
Deed SaleApr 29, 2025 · Amount on Record
Prior SaleOct 02, 2023 · Amount on Record
Deed Doc Number2025053736
Deed Book / Page6778 / 2282
Record RefreshedJun 08, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 02, 2023
Property Address2863 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0064821103
Book / Page6482 / 1103
Map ReferenceMB 26 PG 79-82
Instrument DateSep 28, 2023
Instrument2023128554
Transaction TypeTransfer
Record UpdatedOct 13, 2023
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,730.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address11411 SW 45TH PL # PL105, PL105, MIRAMAR, FL 33025-7913

Transferred To (Grantee/Buyer)

NameVerified Name
Address2863 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0064821105
DateOct 02, 2023
Instrument6482/1105
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2053

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2863 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Transaction TypeMortgage
Record UpdatedJan 07, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2863 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0061130748
DateDec 21, 2021
Book Page6113/748
Instrument2021197115
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term339 Months
DueMar 01, 2050

March 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 02, 2020
Property Address2863 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0056840361
Book / Page5684 / 361
Map ReferenceMB 26 PG 79
Instrument DateFeb 27, 2020
Instrument2020030239
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyINNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,763.30
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
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address2863 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0056840363
DateMar 02, 2020
Instrument5684/0363
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2050

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address2863 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 Address2863 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$6,702.00 (-5.61%) Homeowner's exemption$300,700 (-0.36%) Land $70,000 Building $230,700$300,700 (-0.36%) Land $70,000 Building $230,700
2023$7,100.00 (+8.4%)$301,800 (+15.9%) Land $60,000 Building $241,800$301,800 (+15.9%) Land $60,000 Building $241,800
2022$6,550.00$260,400 Land $55,000 Building $205,400$260,400 Land $55,000 Building $205,400

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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