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2911 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2911 Harlow Ave, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage1,987 sqft Living Area
Lot Size14,374 sqft (0.33 acres)
OccupancyOwner Occupied
Last Sale$259,800 (2019)
Tax Bill$5,388.00 (2025)

Property Details

APN / Parcel Number

Primary APN19-26-31-0161-0001-2130
Alternative APN
  • 263119016100012130

Interior

Bedrooms4 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 FlooringTile 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 Area14,374 sqft (0.33 acres)
Garage TypeAttached Garage
Garage Area420 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area50 sqft Pool
Deck Area460 sqft Deck
Porch Area245 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2911 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 213
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4
Legal Phase4
Legal Lot Number213
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0161-0001-2130

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 Record2 Individual Names on File
Mailing Address2911 HARLOW AVE, SAINT CLOUD, FL 34772-8995
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 03, 2026Deed of Trust, Mortgage · Line of Credit
TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES
Nov 17, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
SOUTH STATE BANK NA
Nov 11, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
VETERANS UNITED HM LNS
Jan 31, 2019Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 31, 2019 · Amount on Record
Deed SaleJan 31, 2019 · Amount on Record
Deed Doc Number201912618
Deed Book / Page5470 / 1411
Record RefreshedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 03, 2026
Property Address2911 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0000071786
Book / Page6980 / 2027
Instrument DateMay 26, 2026
Instrument202671786
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address2911 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0000071786,
DateJun 03, 2026
Book Page6980/2027
Instrument202671786
Lender
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJun 22, 2046
Interest
Rate6.3%
Max Rate-1%

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2911 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Transaction TypeMortgage
Record UpdatedDec 08, 2021
Title CompanyWATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address2911 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0060880723
DateNov 17, 2021
Book Page6088/723
Instrument2021178275
Lender
NameSOUTH STATE BANK NA
TypeBank
AddressCHARLESTON, SC 29406
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2911 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0056240876
Instrument DateNov 11, 2019
Transaction TypeMortgage
Record UpdatedDec 04, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2911 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995

Mortgage

Document Number0056240876
DateNov 15, 2019
Book Page005624/000876
Instrument148948
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueNov 14, 2049

January 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJan 31, 2019
Property Address2911 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0054701411
Book / Page005470 / 001411
Instrument DateJan 28, 2019
Instrument12618
Transaction TypeTransfer
Record UpdatedFeb 12, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,818.60
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2911 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995

Mortgage

Document Number54701412
DateJan 31, 2019
Book Page005470/001412
Instrument12619
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MT 65203
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 30, 2049

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$5,388.00 (+8.72%) Homeowner's exemption$227,324 (+5.99%)$366,700 (-0.33%) Land $75,600 Building $291,100
2023$4,956.00 (+9.96%) Homeowner's exemption$214,484 (+13.24%)$367,900 (+22.43%) Land $64,800 Building $303,100
2022$4,507.00 Homeowner's exemption$189,402$300,500 Land $59,400 Building $241,100

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 100 ft

Wildfire

Wildfire RiskModerate
above 62% of the US · above 37% of Florida
Wildfire LikelihoodAbout 1 in 424 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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