2890 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2890 Harlow Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,527 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (May 2019)
Tax Bill	$4,354 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit May 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012400`

Property Details

APN / Parcel Number

Primary APN	`192631016100012400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,527 sqft Heated Area
Gross Area	2,086 sqft
1st Floor Area	1,527 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	400 sqft
Porch	Open Porch
Porch Area	159 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2890 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 240
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	240
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 December 11, 2025

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	Individual Name on Record
Mailing Address	2890 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 28, 2019	Grant Deed, Transfer · Conventional Mortgage HOME SOLUTION LENDERS
May 3, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 30, 2019	Correction Deed, Transfer ATTORNEY ONLY
Nov 7, 2018	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Nov 6, 2018	Loan Modification, Mortgage · Line of Credit BANK OF CTRL FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2019 · Amount on Record
Deed Sale	May 28, 2019 · Amount on Record
Prior Sale	Nov 7, 2018 · Amount on Record
Deed Document Number	2019068366
Deed Book / Page	5530 / 2749
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2890 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2890 HARLOW AVE, SAINT CLOUD, FL 34772-8994

Mortgage

Document Number	0065632818
Date	Mar 12, 2024
Book Page	6563/2818
Instrument	2024032096

Lender

Name	TRUIST BANK
Type	Bank
Address	PO BOX 1290, WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 23, 2054

Interest

Change Frequency	Monthly

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 28, 2019
Property Address	2890 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0055302749
Book / Page	005530 / 002749
Instrument Date	May 23, 2019
Instrument	68366
Transaction Type	Transfer
Record Updated	Jun 7, 2019
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	$1,610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2890 HARLOW AVE ST CLOUD FL 347728994, ST CLOUD, FL 34772-8994

Mortgage

Document Number	55302750
Date	May 28, 2019
Book Page	005530/002750
Instrument	68367

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	FLINT, MI 48501-2026

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2019
Property Address	2890 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 Recorded
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	2890 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 Recorded
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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 7, 2018
Property Address	2890 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0054302631
Book / Page	005430 / 002631
Instrument Date	Nov 6, 2018
Instrument	166016
Transaction Type	Transfer
Record Updated	Nov 27, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arm's Length

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

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2890 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0054302633
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Nov 27, 2018
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0054302633
Date	Nov 7, 2018
Book Page	005430/002633
Instrument	166017

Lender

Name	BANK OF CTRL FL
Type	Bank
Address	5015 S FLORIDA AVE # 200, LAKELAND, FL 33813-5502

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,354.00 (+9.7%) Homeowner's exemption Widower's exemption	$174,527 (+5.99%)	$299,000 (-0.33%) Land $70,000 Building $229,000
2023	$3,969.00 (+0.08%) Homeowner's exemption Widower's exemption	$164,669 (+3%)	$300,000 (+15.87%) Land $60,000 Building $240,000
2022	$3,966.00 Homeowner's exemption Widower's exemption	$159,873	$258,900 Land $55,000 Building $203,900

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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