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2898 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2898 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 2019
Square Footage2,160 sqft Heated Area
Lot Size7,405 sqft (0.169 acres)
GarageFinished, 484 sqft
Last Sale$455,000 (2022)
Tax Bill$8,234.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016100012380

Interior

Bedrooms4 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area2,160 sqft Heated Area
Gross Area2,820 sqft Gross Area
1st Floor1,110 sqft 1st Floor
Upper Floors1,050 sqft Upper Floors
Stories2 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 Area7,405 sqft (0.169 acres)
Garage TypeFinished Garage
Garage Area484 sqft Garage
FenceFence
PorchOpen Porch
Porch Area176 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2898 HARLOW AVE
CitySAINT CLOUD
StateFL
Zip34772-8994
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 238
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase4
Legal Tract161
Legal Lot Number238
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016100012380

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 RecordCompany Name on File
Mailing Address600 GALLERIA PKWY SE STE 300, 300, ATLANTA, GA 30339-8146
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Jan 20, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
PENNYMAC LOAN SERVICES LLC
May 12, 2022Warranty Deed, Transfer
OS NATIONAL LLC
Dec 02, 2019Grant Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
HOME SOLUTION LENDERS
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY
Apr 04, 2019Loan Modification, Mortgage · Line of Credit
FLAGSTAR BK
Apr 04, 2019Warranty Deed, Transfer
INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 09, 2022 · Amount on Record
Deed SaleJun 09, 2022 · Amount on Record
Prior SaleApr 04, 2019 · Amount on Record
Deed Doc Number0062302755
Deed Book / Page6213 / 464
Prior Transfer DateMay 12, 2022
Prior Transfer Doc2022075645
Record RefreshedJun 08, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2898 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Transaction TypeMortgage
Record UpdatedJul 01, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2898 HARLOW AVE, SAINT CLOUD, FL 34772-8994

Mortgage

Document Number0058731789
DateJan 20, 2021
Book Page5873/1789
Instrument2021008446
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term347 Months
DueDec 01, 2049

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 12, 2022
Property Address2898 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number0062130464
Book / Page6213 / 464
Map ReferenceMB 26 PG 79-82
Instrument DateMay 09, 2022
Instrument2022075645
Transaction TypeTransfer
Record UpdatedJul 01, 2026
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$3,082.80
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3000 CANAL RD, MIRAMAR, FL 33025-2753

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
InvestorPossibly a Property Investor

December 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateDec 02, 2019
Property Address2898 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number0056320803
Book / Page005632 / 000803
Instrument DateNov 26, 2019
Instrument155274
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 20, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,968.40
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2898 HARLOW AVE ST CLOUD FL 347728994, ST CLOUD, FL 34772-8994

Mortgage

Document Number56320804
DateDec 02, 2019
Book Page005632/000804
Instrument155275
Lender
NameHOME SOLUTION LENDERS
TypeFunding / Finance Company
AddressBARTOW, FL 33830
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2049

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address2898 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number0055190560
Book / Page005519 / 000560
Instrument DateMay 02, 2019
Instrument57689
Transaction TypeTransfer
Record UpdatedMay 16, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$13,055.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

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
InvestorPossibly a Property Investor

October 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateOct 30, 2019
Property Address2898 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number0056142413
Book / Page005614 / 002413
Instrument DateMay 02, 2019
Instrument140803
Transaction TypeTransfer
Record UpdatedNov 12, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Multiple parcels conveyed, unknown impact to APN

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

April 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateApr 04, 2019
Property Address2898 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number0055030253
Book / Page005503 / 000253
Instrument DateApr 04, 2019
Instrument43024
Transaction TypeMortgage
Record UpdatedApr 24, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE LAKELAND FL 338034053, LAKELAND, FL 33803-4053

Mortgage

Document Number55030253
DateApr 04, 2019
Book Page005503/000253
Instrument43024
Lender
NameFLAGSTAR BK
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 04, 2019
Property Address2898 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number0055030251
Book / Page005503 / 000251
Instrument DateApr 04, 2019
Instrument43023
Transaction TypeTransfer
Record UpdatedApr 19, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
Tax$630.00
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

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$8,234.00 (+1.72%)$343,200 (-0.92%) Land $70,000 Building $273,200$343,200 (-0.92%) Land $70,000 Building $273,200
2023$8,095.00 (+51.22%)$346,400 (+46.58%) Land $60,000 Building $286,400$346,400 (+15.66%) Land $60,000 Building $286,400
2022$5,353.00 Homeowner's exemption$236,322$299,500 Land $55,000 Building $244,500

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 500 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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