Osceola County property record for 2923 Harlow Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,987 sqft Heated Area |
| Lot Size | 14,375 sqft (0.33 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $267,400 (2019) |
| Tax Bill | $6,366.00 (2025) |
| Primary APN | 192631016100012140 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,987 sqft Heated Area |
| Gross Area | 3,252 sqft Gross Area |
| 1st Floor | 1,987 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 14,375 sqft (0.33 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Fence | Fence |
|---|---|
| Patio Area | 946 sqft Patio |
| Porch | Finished/Screened Porch |
| Porch Area | 245 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2923 HARLOW AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8995 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 214 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | GRAMERCY FARMS PH 4 5 7 8 & 9 |
| Legal Phase | 4 |
| Legal Tract | 161 |
| Legal Lot Number | 214 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016100012140
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2923 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC |
| Jan 04, 2019 | Grant Deed, Transfer · Conventional Mortgage HOME SOLUTION LENDERS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 04, 2019 · Amount on Record |
| Deed Sale | Jan 04, 2019 · Amount on Record |
| Deed Doc Number | 2019001335 |
| Deed Book / Page | 5458 / 2281 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2923 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MIS |
| Name | Verified Name |
|---|
| Document Number | 0057741113 |
|---|---|
| Date | Aug 14, 2020 |
| Book Page | 5774/1113 |
| Instrument | 2020107283 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 04, 2019 |
| Property Address | 2923 HARLOW AVE, SAINT CLOUD, FL 34772-8995 |
| Document Number | 0054582281 |
| Book / Page | 005458 / 002281 |
| Instrument Date | Dec 28, 2018 |
| Instrument | 1335 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2019 |
| Title Company | INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,871.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2923 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995 |
| Document Number | 54582282 |
|---|---|
| Date | Jan 04, 2019 |
| Book Page | 005458/002282 |
| Instrument | 1336 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL 33830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 03, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,366.00 (+8.17%) Homeowner's exemption | $281,943 (+5.99%) | $368,100 (-0.78%) Land $75,600 Building $292,500 |
| 2023 | $5,885.00 (+7.55%) Homeowner's exemption | $266,018 (+9.5%) | $371,000 (+20.65%) Land $64,800 Building $306,200 |
| 2022 | $5,472.00 Homeowner's exemption | $242,931 | $307,500 Land $59,400 Building $248,100 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | Moderate above 62% of the US · above 37% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 424 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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