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2895 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2895 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2019
Square Footage2,060 sqft Heated Area
Lot Size7,841 sqft (0.18 acres)
GarageFinished, 440 sqft
Last Sale$372,100 (2021)
Tax Bill$8,558.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016100012110

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,060 sqft Heated Area
Gross Area2,807 sqft Gross Area
1st Floor2,060 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet 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 Area440 sqft Garage
FenceFence
PorchOpen Porch
Porch Area307 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2895 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 211
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase4
Legal Tract161
Legal Lot Number211
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016100012110

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 RecordIndividual Name on File
Mailing Address860 BRISLEY CIR, HAMPTON, GA 30228-5950
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 28, 2020Deed of Trust, Mortgage · Conventional Mortgage
THE MORTGAGE FIRM INC
Nov 15, 2021Special Warranty Deed, Transfer
ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO
Aug 30, 2021Warranty Deed, Transfer
ZILLOW CLOSING SERVICES LLC
Feb 19, 2019Grant Deed, Transfer · Conventional Mortgage
HOME SOLUTION LENDERS
Aug 22, 2018Warranty Deed, Transfer
INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 15, 2021 · Amount on Record
Deed SaleNov 15, 2021 · Amount on Record
Prior SaleAug 30, 2021 · Amount on Record
Deed Doc Number2021176549
Deed Book / Page6085 / 2786
Record RefreshedJun 08, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2895 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2895 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0058590924
DateDec 28, 2020
Book Page5859/924
Instrument2020175760
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

November 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 15, 2021
Property Address2895 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0060852786
Book / Page6085 / 2786
Map ReferenceMB 26 PG 79
Instrument DateNov 03, 2021
Instrument2021176549
Transaction TypeTransfer
Record UpdatedJan 11, 2023
Title CompanyZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Transaction

AmountAmount Recorded
Tax$2,604.70
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347

Transferred To (Grantee/Buyer)

NameVerified Name
Address2895 HARLOW AVE, SAINT CLOUD, FL 34772-8995

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 30, 2021
Property Address2895 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0060322268
Book / Page6032 / 2268
Map ReferenceMB 26 PG 79
Instrument DateAug 27, 2021
Instrument2021134451
Transaction TypeTransfer
Record UpdatedJan 11, 2023
Title CompanyZILLOW CLOSING SERVICES LLC

Transaction

AmountAmount Recorded
Tax$2,533.30
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2895 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Transferred To (Grantee/Buyer)

NameVerified Name
Address4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347
InvestorPossibly a Property Investor

February 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 19, 2019
Property Address2895 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0054791877
Book / Page005479 / 001877
Instrument DateFeb 15, 2019
Instrument21601
Transaction TypeTransfer
Record UpdatedFeb 27, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,897.70
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2895 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995

Mortgage

Document Number54791878
DateFeb 19, 2019
Book Page005479/001878
Instrument21602
Lender
NameHOME SOLUTION LENDERS
TypeFunding / Finance Company
AddressBARTOW, FL 33830
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 18, 2049

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 22, 2018
Property Address2895 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0053892202
Book / Page005389 / 002202
Instrument DateAug 20, 2018
Instrument128471
Transaction TypeTransfer
Record UpdatedOct 24, 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

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$8,558.00 (+4.52%)$361,300 (-0.82%) Land $75,600 Building $285,700$361,300 (-0.82%) Land $75,600 Building $285,700
2023$8,188.00$364,300 Land $64,800 Building $299,500$364,300 Land $64,800 Building $299,500

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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