2878 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2878 Harlow Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,479 sqft · built 2019
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on File
Last Sale	$307,300 (Jul 2019)
Tax Bill	$9,256 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jul 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0161-0001-2430`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0161-0001-2430`
Alternative APN	`263119016100012430`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,479 sqft Living Area
Gross Area	3,327 sqft
1st Floor Area	2,479 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	596 sqft
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2878 HARLOW AVE
City	SAINT CLOUD
State	FL
Zip	34772-8994
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 243
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4
Legal Phase	4
Legal Lot Number	243
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

Owner

Source: Osceola County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2878 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 18, 2019	Special Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 3, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 30, 2019	Correction Deed, Transfer ATTORNEY ONLY
Oct 25, 2018	Warranty Deed, Transfer · Commercial Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2019 · Amount on File
Deed Sale	Jul 18, 2019 · Amount on File
Prior Sale	Oct 25, 2018 · Amount on File
Deed Document Number	201992583
Deed Book / Page	5558 / 2903
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2878 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2878 HARLOW AVE, SAINT CLOUD, FL 34772-8994

Mortgage

Document Number	0062342951
Date	Jun 16, 2022
Book Page	6234/2951
Instrument	2022094906

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2052

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2019
Property Address	2878 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0055582903
Book / Page	5558 / 2903
Map Reference	MB 26 PG 79
Instrument Date	Jul 11, 2019
Instrument	2019092583
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	INNOVATIVE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,151.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2878 HARLOW AVE, SAINT CLOUD, FL 34772-8994

Mortgage

Document Number	0055582904
Date	Jul 18, 2019
Instrument	5558/2904

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2019
Property Address	2878 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0055190560
Book / Page	005519 / 000560
Instrument Date	May 2, 2019
Instrument	57689
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$13,055.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058
Investor	Possibly a Property Investor

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 30, 2019
Property Address	2878 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0056142413
Book / Page	005614 / 002413
Instrument Date	May 2, 2019
Instrument	140803
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 25, 2018
Property Address	2878 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0054230904
Book / Page	5423 / 0904
Map Reference	MB26 PG79-82
Instrument Date	Oct 23, 2018
Instrument	2018159781
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	INNOVATIVE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Mortgage

Document Number	2018159782
Date	Oct 25, 2018
Instrument	2018159782

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,256.00 (+11.8%)	$400,300 (-1.45%) Land $70,000 Building $330,300	$400,300 (-1.45%) Land $70,000 Building $330,300
2023	$8,279.00 (+9.08%)	$406,200 (+16.32%) Land $60,000 Building $346,200	$406,200 (+16.32%) Land $60,000 Building $346,200
2022	$7,590.00	$349,200 Land $55,000 Building $294,200	$349,200 Land $55,000 Building $294,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Xfinity.

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