2886 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2886 Harlow Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,723 sqft · built 2018
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,200 (Sep 2018)
Tax Bill	$5,476 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jun 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0161-0001-2410`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0161-0001-2410`
Alternative APN	`263119016100012410`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,723 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	1,723 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	235 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2886 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 241
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4
Legal Phase	4
Legal Lot Number	241
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Oct 17, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 10, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 20, 2018	Loan Modification, Mortgage · FHA Mortgage HOME SOLUTION LENDERS
Sep 5, 2018	Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2018 · Amount on Record
Deed Sale	Sep 5, 2018 · Amount on Record
Deed Document Number	2018133464
Deed Book / Page	5395 / 2097
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994

Mortgage

Document Number	0065460419
Date	Feb 7, 2024
Book Page	6546/419
Instrument	2024016275

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Aug 1, 2051

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994

Mortgage

Document Number	0064192543
Date	Jun 6, 2023
Book Page	6419/2543
Instrument	2023072505

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Aug 1, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994

Mortgage

Document Number	0063001738
Date	Oct 17, 2022
Book Page	6300/1738
Instrument	2022153385

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Aug 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057910604
Date	Sep 10, 2020
Book Page	5791/604
Instrument	2020120867

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Dec 1, 2048

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0054110520
Instrument Date	Sep 20, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	356 PARKLAND CIR #204 KISSIMMEE FL 347444594, 204, KISSIMMEE, FL 34744-4594

Mortgage

Document Number	0054110520
Date	Oct 2, 2018
Book Page	005411/000520
Instrument	148050

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 5, 2018
Property Address	2886 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0053952097
Book / Page	005395 / 002097
Instrument Date	Aug 30, 2018
Instrument	133464
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,751.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2886 HARLOW AVE ST CLOUD FL 347728994, ST CLOUD, FL 34772-8994

Mortgage

Document Number	53952098
Date	Sep 5, 2018
Book Page	005395/002098
Instrument	133465

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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	$5,476.00 (+8.65%) Homeowner's exemption	$232,223 (+5.99%)	$316,900 (-0.47%) Land $70,000 Building $246,900
2023	$5,040.00 (+2.27%) Homeowner's exemption	$219,106 (+3%)	$318,400 (+15.87%) Land $60,000 Building $258,400
2022	$4,928.00 Homeowner's exemption	$212,725	$274,800 Land $55,000 Building $219,800

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 Record 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 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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