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2891 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2891 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage1,987 sqft Heated Area
Lot Size7,841 sqft (0.18 acres)
OccupancyOwner Occupied
Last Sale$267,600 (2019)
Tax Bill$5,802.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016100012100

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,987 sqft Heated Area
Gross Area2,652 sqft Gross Area
1st Floor1,987 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,841 sqft (0.18 acres)
Garage TypeFinished Garage
Garage Area420 sqft Garage
PorchOpen Porch
Porch Area245 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2891 HARLOW AVE
CitySAINT CLOUD
StateFL
Zip34772-8995
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 210
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase4
Legal Tract161
Legal Lot Number210
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016100012100

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 Record2 Individual Names on File
Mailing Address2891 HARLOW AVE, SAINT CLOUD, FL 34772-8995
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 28, 2021Deed of Trust, Mortgage · Conventional Mortgage
CHRISTENSEN FINANCIAL INC
Jun 24, 2020Deed of Trust, Mortgage
LOANDEPOT.COM LLC
May 02, 2019Grant Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
HOME SOLUTION LENDERS
Nov 07, 2018Warranty Deed, Transfer
INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Nov 06, 2018Loan Modification, Mortgage · Line of Credit
BANK OF CTRL FL

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 02, 2019 · Amount on Record
Deed SaleMay 02, 2019 · Amount on Record
Prior SaleNov 07, 2018 · Amount on Record
Deed Doc Number2019056778
Deed Book / Page5518 / 0422
Record RefreshedJun 08, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2891 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2891 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0060522563
DateSep 28, 2021
Book Page6052/2563
Instrument2021150065
Lender
NameCHRISTENSEN FINANCIAL INC
TypeFunding / Finance Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2891 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0057502159
Instrument DateJun 24, 2020
Transaction TypeMortgage
Record UpdatedAug 26, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2891 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995

Mortgage

Document Number0057502159
DateJul 08, 2020
Book Page005750/002159
Instrument87735
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
AmountAmount Recorded
Term360 Months
DueJul 07, 2050

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 02, 2019
Property Address2891 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0055180422
Book / Page005518 / 000422
Instrument DateApr 27, 2019
Instrument56778
Transaction TypeTransfer
Record UpdatedMay 16, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,873.20
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2891 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995

Mortgage

Document Number55180423
DateMay 02, 2019
Book Page005518/000423
Instrument56779
Lender
NameHOME SOLUTION LENDERS
TypeFunding / Finance Company
AddressBARTOW, FL 33830
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueMay 01, 2049

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 07, 2018
Property Address2891 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0054302605
Book / Page005430 / 002605
Instrument DateNov 06, 2018
Instrument165994
Transaction TypeTransfer
Record UpdatedNov 27, 2018
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
Tax$315.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

November 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address2891 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0054302607
Instrument DateNov 06, 2018
Transaction TypeMortgage
Record UpdatedNov 27, 2018
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

Mortgage

Document Number0054302607
DateNov 07, 2018
Book Page005430/002607
Instrument165995
Lender
NameBANK OF CTRL FL
TypeBank
Address5015 S FLORIDA AVE # 200, LAKELAND, FL 33813-5502
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,802.00 (+8.47%) Homeowner's exemption$250,442 (+5.99%)$347,400 (-0.63%) Land $75,600 Building $271,800
2023$5,349.00 (+2.31%) Homeowner's exemption$236,296 (+3%)$349,600 (+16.03%) Land $64,800 Building $284,800
2022$5,228.00 Homeowner's exemption$229,414$301,300 Land $59,400 Building $241,900

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 100 ft

Wildfire

Wildfire RiskModerate
above 62% of the US · above 36% of Florida
Wildfire LikelihoodAbout 1 in 457 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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