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2918 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2918 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage1,987 sqft Heated Area
Lot Size9,148 sqft (0.21 acres)
OccupancyOwner Occupied
Last Sale$261,000 (2019)
Tax Bill$5,899.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016100012330

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,987 sqft Heated 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
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,148 sqft (0.21 acres)
Garage TypeFinished Garage
Garage Area420 sqft Garage

Exterior Amenities

FenceFence
Shed1 Shed
Shed Area48 sqft Shed
PorchOpen Porch
Porch Area245 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2918 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 233
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase4
Legal Tract161
Legal Lot Number233
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1007
Census Tract43304

Owner

Source: Osceola County records · APN 192631016100012330

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2918 HARLOW AVE, SAINT CLOUD, FL 34772-8996
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 04, 2024Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
ROCKET MORTGAGE LLC
Jun 07, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
QUICKEN LOANS LLC
Dec 23, 2019Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY
Apr 24, 2019Loan Modification, Mortgage · Line of Credit
FLAGSTAR BK
Apr 25, 2019Warranty Deed, Transfer
INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 23, 2019 · Amount on Record
Deed SaleDec 23, 2019 · Amount on Record
Prior SaleApr 25, 2019 · Amount on Record
Deed Doc Number2019166715
Deed Book / Page5646 / 1175
Record RefreshedJun 08, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2918 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Transaction TypeMortgage
Record UpdatedMar 22, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address2918 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number0065581025
DateMar 04, 2024
Book Page6558/1025
Instrument2024027380
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Address1050 WOODWARD AVE, DETROIT, MI 48226
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2054

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2918 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Transaction TypeMortgage
Record UpdatedJun 16, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2918 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number0059741563
DateJun 07, 2021
Book Page5974/1563
Instrument2021087672
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2051

December 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 23, 2019
Property Address2918 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number0056461175
Book / Page5646 / 1175
Map ReferenceMB 26 PG 79-82
Instrument DateDec 14, 2019
Instrument2019166715
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyINNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,827.00
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
Address2918 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number0056461177
DateDec 23, 2019
Instrument5646/1177
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2050

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address2918 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 Address2918 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 Address2918 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number0055131288
Instrument DateApr 24, 2019
Transaction TypeMortgage
Record UpdatedMay 17, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3020 S FLORIDA AVE LAKELAND FL 338034053, LAKELAND, FL 33803-4053

Mortgage

Document Number0055131288
DateApr 25, 2019
Book Page005513/001288
Instrument52860
Lender
NameFLAGSTAR BK
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 25, 2019
Property Address2918 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number0055131286
Book / Page005513 / 001286
Instrument DateApr 24, 2019
Instrument52859
Transaction TypeTransfer
Record UpdatedMay 14, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
Tax$630.00
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

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$5,899.00 (+9.71%) Homeowner's exemption$255,847 (+7.57%)$343,000 (+0.18%) Land $70,000 Building $273,000
2023$5,377.00 (+2.3%) Homeowner's exemption$237,847 (+3%)$342,400 (+16.11%) Land $60,000 Building $282,400
2022$5,256.00 Homeowner's exemption$230,920$294,900 Land $55,000 Building $239,900

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 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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