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2931 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2931 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 Footage1,723 sqft Living Area
Lot Size9,147 sqft (0.21 acres)
OccupancyOwner Occupied
Last Sale$248,000 (2019)
Tax Bill$5,239.00 (2024)

Property Details

APN / Parcel Number

Primary APN19-26-31-0161-0001-2150
Alternative APN
  • 263119016100012150

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,723 sqft Living Area
Gross Area2,398 sqft Gross Area
1st Floor1,723 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet 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 Area9,147 sqft (0.21 acres)
Garage TypeAttached Garage
Garage Area440 sqft Garage
Porch Area235 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2931 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 215
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4
Legal Phase4
Legal Lot Number215
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0161-0001-2150

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 Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 03, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
ADVANTAGEFIRST LENDING INC
Oct 20, 2025Deed of Trust, Mortgage · Line of Credit
COASTAL COMMUNITY BANK
May 15, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
ICONIC MORTGAGE CORP
Jan 22, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
ICONIC MORTGAGE CORP
May 13, 2019Grant Deed, Transfer · Veterans Administration Mortgage
HOME SOLUTION LENDERS
May 03, 2019Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Correction Deed, Transfer
ATTORNEY ONLY
Nov 16, 2018Warranty Deed, Construction Loan
INNOVATIVE TITLE AGENCY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 13, 2019 · Amount on Record
Deed SaleMay 13, 2019 · Amount on Record
Prior SaleNov 16, 2018 · Amount on Record
Deed Doc Number201961309
Deed Book / Page5523 / 875
Record RefreshedSep 20, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Transaction TypeMortgage
Record UpdatedFeb 17, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0069162486
DateFeb 03, 2026
Book Page6916/2486
Instrument2026014549
Lender
NameADVANTAGEFIRST LENDING INC
TypeLending Institution
AddressLAKE FOREST, CA 92630
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2056

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Transaction TypeMortgage
Record UpdatedOct 31, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0068670656
DateOct 20, 2025
Book Page6867/656
Instrument2025129590
Lender
NameCOASTAL COMMUNITY BANK
TypeBank
AddressCAMPBELL, CA 95008
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057222311
DateMay 15, 2020
Book Page5722/2311
Instrument2020064445
Lender
NameICONIC MORTGAGE CORP
TypeMortgage Company
AddressMIAMI, FL 33132
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term359 Months
DueApr 01, 2050

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995

Mortgage

Document Number0058751574
DateJan 22, 2021
Book Page5875/1574
Instrument2021010014
Lender
NameICONIC MORTGAGE CORP
TypeMortgage Company
AddressMIAMI, FL 33132
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2051

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 13, 2019
Property Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0055230875
Book / Page005523 / 000875
Instrument DateMay 07, 2019
Instrument61309
Transaction TypeTransfer
Record UpdatedJun 03, 2019
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,736.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2931 HARLOW AVE ST CLOUD FL 347728995, ST CLOUD, FL 34772-8995

Mortgage

Document Number55230876
DateMay 13, 2019
Book Page005523/000876
Instrument61310
Lender
NameHOME SOLUTION LENDERS
TypeFunding / Finance Company
AddressBARTOW, FL 33830
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMay 12, 2049

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 03, 2019
Property Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995
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 Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995
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

November 2018: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 16, 2018
Property Address2931 HARLOW AVE, SAINT CLOUD, FL 34772-8995
Document Number0054341765
Book / Page005434 / 001765
Instrument DateNov 15, 2018
Instrument169539
Transaction TypeConstruction Loan
Record UpdatedDec 06, 2018
Title CompanyINNOVATIVE TITLE AGENCY

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$5,548.00 (+5.9%) Homeowner's exemption Veteran's exemption$241,254 (+5.99%)$323,800 (-0.37%) Land $75,600 Building $248,200
2024$5,239.00 (+2.67%)
2023$5,103.00 (+2.33%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$227,627 (+3%)$325,000 (+15.78%) Land $64,800 Building $260,200
2022$4,987.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$220,998$280,700 Land $59,400 Building $221,300

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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