2934 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2934 Harlow Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,723 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$253,800 (Jun 2019)
Tax Bill	$5,620 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012290`

Property Details

APN / Parcel Number

Primary APN	`192631016100012290`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,723 sqft Heated Area
Gross Area	2,398 sqft
1st Floor Area	1,723 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	440 sqft
Porch	Open Porch
Porch Area	235 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2934 HARLOW AVE
City	SAINT CLOUD
State	FL
Zip	34772-8997
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 229
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	229
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43304

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	2934 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 16, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jun 25, 2019	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS
May 3, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 30, 2019	Correction Deed, Transfer ATTORNEY ONLY
Dec 10, 2018	Warranty Deed, Construction Loan INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC
Dec 7, 2018	Loan Modification, Mortgage · Line of Credit FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2019 · Amount on Record
Deed Sale	Jun 25, 2019 · Amount on Record
Prior Sale	Dec 10, 2018 · Amount on Record
Deed Document Number	2019081754
Deed Book / Page	5546 / 2764
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2934 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058852105
Date	Feb 5, 2021
Book Page	5885/2105
Instrument	2021017088

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2934 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Document Number	0057110115
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2934 HARLOW AVE ST CLOUD FL 347728997, ST CLOUD, FL 34772-8997

Mortgage

Document Number	0057110115
Date	Apr 21, 2020
Book Page	005711/000115
Instrument	54388

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 25, 2019
Property Address	2934 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Document Number	0055462764
Book / Page	005546 / 002764
Instrument Date	Jun 21, 2019
Instrument	81754
Transaction Type	Transfer
Record Updated	Jul 5, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,776.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2934 HARLOW AVE ST CLOUD FL 347728997, ST CLOUD, FL 34772-8997

Mortgage

Document Number	55462765
Date	Jun 25, 2019
Book Page	005546/002765
Instrument	81755

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2019
Property Address	2934 HARLOW AVE, SAINT CLOUD, FL 34772-8997
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	2934 HARLOW AVE, SAINT CLOUD, FL 34772-8997
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

December 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 10, 2018
Property Address	2934 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Document Number	0054470021
Book / Page	005447 / 000021
Instrument Date	Dec 7, 2018
Instrument	180646
Transaction Type	Construction Loan
Record Updated	Jan 2, 2019
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$630.00
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

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2934 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Document Number	0054470023
Instrument Date	Dec 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0054470023
Date	Dec 10, 2018
Book Page	005447/000023
Instrument	180647

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,620.00 (+8.58%) Homeowner's exemption	$240,262 (+5.99%)	$321,200 (-0.65%) Land $70,000 Building $251,200
2023	$5,176.00 (+2.29%) Homeowner's exemption	$226,691 (+3%)	$323,300 (+15.75%) Land $60,000 Building $263,300
2022	$5,060.00 Homeowner's exemption	$220,089	$279,300 Land $55,000 Building $224,300

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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