2926 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2926 Harlow Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,479 sqft · built 2019
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,500 (Aug 2019)
Tax Bill	$6,652 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2023 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0161-0001-2310`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0161-0001-2310`
Alternative APN	`263119016100012310`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,479 sqft Living Area
Gross Area	3,327 sqft
1st Floor Area	2,479 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	596 sqft
Porch	Finished/Open Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2926 HARLOW AVE
City	SAINT CLOUD
State	FL
Zip	34772-8996
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 231
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4
Legal Phase	4
Legal Lot Number	231
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1007
Census Tract	43304

Owner

Source: Osceola County records, as of August 27, 2026

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 Record
Mailing Address	PO BOX 702521, SAINT CLOUD, FL 34770-2521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Aug 4, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 1, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 8, 2019	Special Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 3, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 30, 2019	Correction Deed, Transfer ATTORNEY ONLY
Jan 18, 2019	Loan Modification, Mortgage · Line of Credit FLAGSTAR BK
Jan 18, 2019	Warranty Deed, Transfer INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2019 · Amount on Record
Deed Sale	Aug 8, 2019 · Amount on Record
Prior Sale	Jan 18, 2019 · Amount on Record
Deed Document Number	2019102612
Deed Book / Page	5570 / 1714
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 13, 2026
Property Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number	0000106203
Book / Page	7019 / 2634
Instrument Date	Jun 22, 2026
Instrument	2026106203
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number	0000106203,
Date	Aug 13, 2026
Book Page	7019/2634
Instrument	2026106203

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	277 Months
Due	Sep 1, 2049

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number	0064521890
Date	Aug 4, 2023
Book Page	6452/1890
Instrument	2023101743

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Sep 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number	0058032395
Date	Oct 1, 2020
Book Page	5803/2395
Instrument	2020131479

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Sep 1, 2049

August 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 8, 2019
Property Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number	0055701714
Book / Page	5570 / 1714
Map Reference	MB 26 PG 79-82
Instrument Date	Aug 5, 2019
Instrument	2019102612
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,103.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996

Mortgage

Document Number	0055701715
Date	Aug 8, 2019
Instrument	5570/1715

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2019
Property Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number	0055190560
Book / Page	005519 / 000560
Instrument Date	May 2, 2019
Instrument	57689
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$13,055.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058
Investor	Possibly a Property Investor

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 30, 2019
Property Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number	0056142413
Book / Page	005614 / 002413
Instrument Date	May 2, 2019
Instrument	140803
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Jan 18, 2019
Property Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number	0054642282
Book / Page	005464 / 002282
Instrument Date	Jan 15, 2019
Instrument	7422
Transaction Type	Mortgage
Record Updated	Feb 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE LAKELAND FL 338034053, LAKELAND, FL 33803-4053

Mortgage

Document Number	54642282
Date	Jan 18, 2019
Book Page	005464/002282
Instrument	7422

Lender

Name	FLAGSTAR BK
Type	Bank
Address	5151 CORPORATE DR # E, TROY, MI 48098-2639

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 18, 2019
Property Address	2926 HARLOW AVE, SAINT CLOUD, FL 34772-8996
Document Number	0054642280
Book / Page	005464 / 002280
Instrument Date	Jan 15, 2019
Instrument	7421
Transaction Type	Transfer
Record Updated	Jan 31, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,652.00 (+8.06%) Homeowner's exemption	$297,921 (+5.99%)	$400,300 (-1.45%) Land $70,000 Building $330,300
2023	$6,156.00 (+2.4%) Homeowner's exemption	$281,093 (+3%)	$406,200 (+16.32%) Land $60,000 Building $346,200
2022	$6,012.00 Homeowner's exemption	$272,906	$349,200 Land $55,000 Building $294,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Xfinity.

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