Osceola County property record for 2875 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,723 sqft Heated Area |
| Lot Size | 10,890 sqft (0.25 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $244,400 (2018) |
| Tax Bill | $5,524.00 (2025) |
| Primary APN | 192631016100012060 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,723 sqft Heated Area |
| Gross Area | 2,398 sqft Gross Area |
| 1st Floor | 1,723 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| 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) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 440 sqft Garage |
| Porch | Open Porch |
| Porch Area | 235 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2875 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 206 |
| 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 | 206 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016100012060
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 | 2875 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 26, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage STEARNS LENDING LLC |
| Nov 01, 2018 | Grant Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 01, 2018 · Amount on Record |
| Deed Sale | Nov 01, 2018 · Amount on Record |
| Deed Doc Number | 2018163549 |
| Deed Book / Page | 5428 / 0101 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2875 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0056810217 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 5681/217 |
| Instrument | 2020028151 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 01, 2018 |
| Property Address | 2875 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Document Number | 0054280101 |
| Book / Page | 005428 / 000101 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 163549 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,710.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2875 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995 |
| Document Number | 54280102 |
|---|---|
| Date | Nov 01, 2018 |
| Book Page | 005428/000102 |
| Instrument | 163550 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 31, 2048 |
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 | $5,524.00 (+8.63%) Homeowner's exemption | $234,907 (+5.99%) | $321,000 (-0.25%) Land $75,600 Building $245,400 |
| 2023 | $5,085.00 (+2.27%) Homeowner's exemption | $221,638 (+3%) | $321,800 (+15.8%) Land $64,800 Building $257,000 |
| 2022 | $4,972.00 Homeowner's exemption | $215,183 | $277,900 Land $59,400 Building $218,500 |
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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