2902 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2902 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2019
Square Footage	1,563 sqft Heated Area
Lot Size	10,890 sqft (0.25 acres)
Occupancy	Owner Occupied
Last Sale	$236,400 (2019)
Tax Bill	$5,307.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`192631016100012370`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,563 sqft Heated Area
Gross Area	2,038 sqft Gross Area
1st Floor	1,563 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Finished Garage
Garage Area	380 sqft Garage
Porch	Open Porch
Porch Area	95 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	2902 HARLOW AVE
City	SAINT CLOUD
State	FL
Zip	34772-8994
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 237
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	237
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1003
Census Tract	43304

Owner

Source: Osceola County records · APN 192631016100012370

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 Record	Individual Name on File
Mailing Address	2902 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
May 13, 2020	Deed of Trust, Mortgage · Veterans Administration Mortgage CALIBER HM LOANS
Feb 15, 2019	Grant Deed, Transfer · Veterans Administration Mortgage CALIBER HM LOANS
Aug 22, 2018	Warranty Deed, Transfer INNOVATIVE TITLE AGENCY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 15, 2019 · Amount on Record
Deed Sale	Feb 15, 2019 · Amount on Record
Prior Sale	Aug 22, 2018 · Amount on Record
Deed Doc Number	2019019957
Deed Book / Page	5478 / 0060
Record Refreshed	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2902 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0057250145
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2902 HARLOW AVE ST CLOUD FL 347728994, ST CLOUD, FL 34772-8994

Mortgage

Document Number	0057250145
Date	May 20, 2020
Book Page	005725/000145
Instrument	66340

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 15, 2019
Property Address	2902 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0054780060
Book / Page	005478 / 000060
Instrument Date	Feb 12, 2019
Instrument	19957
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	INNOVATIVE TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,654.80
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 HARLOW AVE ST CLOUD FL 347728994, ST CLOUD, FL 34772-8994

Mortgage

Document Number	54780061
Date	Feb 15, 2019
Book Page	005478/000061
Instrument	19958

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2018
Property Address	2902 HARLOW AVE, SAINT CLOUD, FL 34772-8994
Document Number	0053892039
Book / Page	005389 / 002039
Instrument Date	Aug 21, 2018
Instrument	128428
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	INNOVATIVE TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arms Length Transaction

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

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,307.00 (+8.77%) Homeowner's exemption	$222,785 (+5.99%)	$299,800 (-0.33%) Land $70,000 Building $229,800
2023	$4,879.00 (+2.24%) Homeowner's exemption	$210,201 (+3%)	$300,800 (+15.87%) Land $60,000 Building $240,800
2022	$4,772.00 Homeowner's exemption	$204,079	$259,600 Land $55,000 Building $204,600

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 457 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

2902 Harlow Ave, Saint Cloud, FL 34772 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Harlow Ave

Nearby Streets

Search Property Records by Address or Parcel Number