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2906 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2906 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage1,723 sqft Heated Area
Lot Size10,454 sqft (0.239 acres)
OccupancyOwner Occupied
Last Sale$253,500 (2019)
Tax Bill$5,788.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016100012360

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,723 sqft Heated Area
Gross Area2,398 sqft Gross Area
1st Floor1,723 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 Area10,454 sqft (0.239 acres)
Garage TypeFinished Garage
Garage Area440 sqft Garage
FenceFence
PorchOpen Porch
Porch Area235 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2906 HARLOW AVE
CitySAINT CLOUD
StateFL
Zip34772-8996
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 236
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase4
Legal Tract161
Legal Lot Number236
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1007
Census Tract43304

Owner

Source: Osceola County records · APN 192631016100012360

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 Address2906 HARLOW AVE, SAINT CLOUD, FL 34772-8996
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 01, 2021Deed of Trust, Mortgage · Conventional Mortgage
SUMMIT MORTGAGE CORP
Dec 19, 2019Grant Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
HOME SOLUTION LENDERS
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY
Apr 17, 2019Loan Modification, Mortgage · Line of Credit
SYNOVUS BK
Apr 18, 2019Warranty Deed, Transfer
INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 19, 2019 · Amount on Record
Deed SaleDec 19, 2019 · Amount on Record
Prior SaleApr 18, 2019 · Amount on Record
Deed Doc Number2019164544
Deed Book / Page5643 / 1643
Record RefreshedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2906 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2906 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number0059002528
DateMar 01, 2021
Book Page5900/2528
Instrument2021029374
Lender
NameSUMMIT MORTGAGE CORP
TypeMortgage Company
AddressMINNEAPOLIS, MN 55441
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051

December 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateDec 19, 2019
Property Address2906 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number0056431643
Book / Page005643 / 001643
Instrument DateDec 14, 2019
Instrument164544
Transaction TypeTransfer
Record UpdatedJan 13, 2020
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,774.50
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address2906 HARLOW AVE ST CLOUD FL 347728996, ST CLOUD, FL 34772-8996

Mortgage

Document Number56431645
DateDec 19, 2019
Book Page005643/001645
Instrument164545
Lender
NameHOME SOLUTION LENDERS
TypeFunding / Finance Company
AddressBARTOW, FL 33830
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueDec 18, 2049

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address2906 HARLOW AVE, SAINT CLOUD, FL 34772-8996
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 Address2906 HARLOW AVE, SAINT CLOUD, FL 34772-8996
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
Property Address2906 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number0055092341
Instrument DateApr 17, 2019
Transaction TypeMortgage
Record UpdatedMay 03, 2019
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 Number0055092341
DateApr 18, 2019
Book Page005509/002341
Instrument49487
Lender
NameSYNOVUS BK
TypeBank
Address1148 BROADWAY, COLUMBUS, GA 31901-2429
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 18, 2019
Property Address2906 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number0055092295
Book / Page005509 / 002295
Instrument DateApr 17, 2019
Instrument49485
Transaction TypeTransfer
Record UpdatedMay 03, 2019
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$5,788.00 (+8.47%) Homeowner's exemption$249,640 (+5.99%)$319,400 (-0.62%) Land $70,000 Building $249,400
2023$5,336.00 (+2.32%) Homeowner's exemption$235,539 (+3%)$321,400 (+15.74%) Land $60,000 Building $261,400
2022$5,215.00 Homeowner's exemption$228,679$277,700 Land $55,000 Building $222,700

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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