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2910 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2910 Harlow Ave, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2019
Square Footage2,160 sqft Living Area
Lot Size9,147 sqft (0.21 acres)
OccupancyOwner Occupied
Last Sale$100 (2026)
Tax Bill$5,953.00 (2025)

Property Details

APN / Parcel Number

Primary APN19-26-31-0161-0001-2350
Alternative APN
  • 263119016100012350

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Building Area2,160 sqft Living Area
Gross Area2,820 sqft Gross Area
1st Floor1,110 sqft 1st Floor
Upper Floors1,050 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleCustom Design Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,147 sqft (0.21 acres)
Garage TypeAttached Garage
Garage Area484 sqft Garage
Porch Area176 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address2910 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 235
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4
Legal Phase4
Legal Lot Number235
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1007
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0161-0001-2350

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

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 Address2910 HARLOW AVE, SAINT CLOUD, FL 34772-8996
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 07, 2024Deed of Trust, Mortgage
APCI FCU
Sep 10, 2024Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
ROCKET MORTGAGE LLC
Jun 03, 2026Quit Claim Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CROSSCOUNTRY MORTGAGE
Sep 12, 2019Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY
Jul 02, 2018Warranty Deed, Transfer
INNOVATIVE TITLE COMPANY LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 03, 2026 · Amount on Record
Deed SaleJun 03, 2026 · Amount on Record
Prior SaleAug 26, 2025 · Amount on Record
Deed Doc Number202672416
Deed Book / Page6981 / 1281
Prior Transfer DateMay 04, 2026
Prior Transfer Doc0000072416
Record RefreshedSep 20, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2910 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Transaction TypeMortgage
Record UpdatedJun 17, 2026
Title CompanyACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0065460748
DateFeb 07, 2024
Book Page6546/748
Instrument2024016359
Lender
NameAPCI FCU
TypeCredit Union
AddressLEHIGH VALLEY, PA 18002
Agreement
AmountAmount Recorded
Term179 Months
DueJan 29, 2039

September 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2910 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Transaction TypeMortgage
Record UpdatedJun 17, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2910 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number0066621117
DateSep 10, 2024
Book Page6662/1117
Instrument2024116056
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2054

June 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJun 03, 2026
Property Address2910 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number0000072416
Book / Page6981 / 1281
Instrument DateMay 04, 2026
Instrument202672416
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanyFIRST SOURCE TITLE, FIRST SOURE TITLE

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2910 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number0000072417,
DateJun 03, 2026
Instrument202672417
Lender
NameCROSSCOUNTRY MORTGAGE
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate6.23%
Max Rate-1%

September 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 12, 2019
Property Address2910 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number0055880837
Book / Page5588 / 0837
Map ReferenceMB 26 PG 79-82
Instrument DateSep 06, 2019
Instrument2019117670
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyINNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,940.40
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address2910 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number0005588838
DateSep 12, 2019
Instrument5588/838
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2049

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address2910 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 Address2910 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

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 02, 2018
Property Address2910 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number0053592664
Book / Page005359 / 002664
Instrument DateJun 28, 2018
Instrument101049
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
RelationshipCompany
Address3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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$5,953.00 (+8.39%)$258,850 (+5.99%)$343,600 (-0.98%) Land $70,000 Building $273,600
2023$5,492.00 (+2.33%) Homeowner's exemption$244,229 (+3%)$347,000 (+15.63%) Land $60,000 Building $287,000
2022$5,367.00 Homeowner's exemption$237,116$300,100 Land $55,000 Building $245,100

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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