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2903 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2903 Harlow Ave, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage1,987 sqft Living Area
Lot Size11,325 sqft (0.26 acres)
OccupancyOwner Occupied
Last Sale$425,000 (2024)
Tax Bill$7,789.00 (2024)

Property Details

APN / Parcel Number

Primary APN19-26-31-0161-0001-2120
Alternative APN
  • 263119016100012120

Interior

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

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,325 sqft (0.26 acres)
Garage TypeAttached Garage
Garage Area420 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area320 sqft Pool
Deck Area480 sqft Deck
Porch Area245 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2903 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 212
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4
Legal Phase4
Legal Lot Number212
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0161-0001-2120

Assessment roll updated November 26, 2025 · Last verified April 2026

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 Address2903 HARLOW AVE, SAINT CLOUD, FL 34772-8995
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jan 04, 2024Warranty Deed, Transfer
CELEBRATION TITLE GROUP
Jul 27, 2020Deed of Trust, Mortgage
MIDFLORIDA CU ISAOA
Aug 28, 2018Warranty Deed, Transfer
INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Aug 28, 2018Grant Deed, Transfer
MIDFLORIDA CU ISAOA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 04, 2024 · Amount on Record
Deed SaleJan 04, 2024 · Amount on Record
Prior SaleAug 28, 2018 · Amount on Record
Deed Doc Number20241236
Deed Book / Page6528 / 2797
Last Transfer DateNov 14, 2024
Transfer Doc0066970385
Record RefreshedJun 08, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 04, 2024
Property Address2903 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0065282797
Book / Page6528 / 2797
Map ReferenceMB 26 PG 79-82
Instrument DateDec 19, 2023
Instrument2024001236
Transaction TypeTransfer
Record UpdatedJan 25, 2024
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
Tax$2,975.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1500 OAK AVE # AVE5B, AVE5B, EVANSTON, IL 60201-4279

Transferred To (Grantee/Buyer)

NameVerified Name
Address2903 HARLOW AVE, SAINT CLOUD, FL 34772-8995

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2903 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0057661256
Instrument DateJul 27, 2020
Transaction TypeMortgage
Record UpdatedAug 31, 2020
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2903 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995

Mortgage

Document Number0057661256
DateJul 31, 2020
Book Page005766/001256
Instrument100565
Lender
NameMIDFLORIDA CU ISAOA
TypeCredit Union
AddressLAKELAND, FL 33802-8008
Agreement
AmountAmount Recorded
Term360 Months
DueJul 30, 2050

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 28, 2018
Property Address2903 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0053920005
Book / Page005392 / 000005
Instrument DateAug 23, 2018
Instrument130418
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

August 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 28, 2018
Property Address2903 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0053920007
Book / Page005392 / 000007
Instrument DateAug 23, 2018
Instrument130419
Transaction TypeTransfer
Record UpdatedOct 24, 2018
Title CompanyINNOVATIVE TITLE COMPANY LLC

Transaction

AmountAmount Recorded
Tax$315.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2903 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995

Mortgage

Document Number53920008
DateAug 28, 2018
Book Page005392/000008
Instrument130420
Lender
NameMIDFLORIDA CU ISAOA
TypeCredit Union
AddressLAKELAND, FL 33802-8008
Agreement
AmountAmount Recorded
Term240 Months
DueAug 27, 2038

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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$7,989.00 (+2.57%)$372,600 (+42.19%) Land $75,600 Building $297,000$372,600 (-0.13%) Land $75,600 Building $297,000
2024$7,789.00 (+36.1%)
2023$5,723.00 (+0.93%) Homeowner's exemption Disabled Person's exemption$262,052 (+3%)$373,100 (+14.59%) Land $64,800 Building $308,300
2022$5,670.00 Homeowner's exemption Disabled Person's exemption$254,420$325,600 Land $59,400 Building $266,200

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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