Osceola County property record for 2871 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2019 |
| Square Footage | 2,479 sqft Heated Area |
| Lot Size | 10,890 sqft (0.25 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $45,000 (2018) |
| Tax Bill | $6,652.00 (2025) |
| Primary APN | 192631016100012050 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,479 sqft Heated Area |
| Gross Area | 3,327 sqft Gross Area |
| 1st Floor | 2,479 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Finished Garage |
| Garage Area | 596 sqft Garage |
| Porch | Open Porch |
| Porch Area | 252 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2871 HARLOW AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8995 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 205 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | GRAMERCY FARMS PH 4 5 7 8 & 9 |
| Legal Phase | 4 |
| Legal Tract | 161 |
| Legal Lot Number | 205 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016100012050
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 | Individual Name on File |
|---|---|
| Mailing Address | 2871 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANCSHARES MORTGAGE LLC |
| Jan 07, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Dec 18, 2018 | Grant Deed, Construction Loan MIDFLORIDA CU ISAOA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 18, 2018 · Amount on Record |
| Deed Sale | Dec 18, 2018 · Amount on Record |
| Prior Sale | Dec 18, 2018 · Amount on Record |
| Deed Doc Number | 0054511259 |
| Deed Book / Page | 005451 / 001259 |
| Last Transfer Date | Jan 07, 2020 |
| Transfer Doc | 0056532039 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2871 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2871 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Document Number | 0058590492 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 5859/492 |
| Instrument | 2020175675 |
| Name | AMERICAN BANCSHARES MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HIALEAH, FL 33016 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 07, 2020 |
| Property Address | 2871 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Document Number | 0056532039 |
| Book / Page | 005653 / 002039 |
| Instrument Date | Dec 17, 2019 |
| Instrument | 2644 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2871 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 18, 2018 |
| Property Address | 2871 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Document Number | 0054511259 |
| Book / Page | 005451 / 001259 |
| Instrument Date | Dec 14, 2018 |
| Instrument | 184945 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 10, 2019 |
| Title Company | INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $315.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2871 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995 |
| Document Number | 54511260 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 005451/001260 |
| Instrument | 184946 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 17, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,652.00 (+8.06%) Homeowner's exemption | $297,921 (+5.99%) | $400,300 (-1.45%) Land $70,000 Building $330,300 |
| 2023 | $6,156.00 (+2.4%) Homeowner's exemption | $281,093 (+3%) | $406,200 (+16.32%) Land $60,000 Building $346,200 |
| 2022 | $6,012.00 Homeowner's exemption | $272,906 | $349,200 Land $55,000 Building $294,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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