Osceola County property record for 2946 Harlow Ave, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2019 |
| Square Footage | 1,723 sqft Living Area |
| Lot Size | 9,147 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $382,000 (2024) |
| Tax Bill | $7,598.00 (2024) |
| Primary APN | 19-26-31-0161-0001-2260 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,723 sqft Living Area |
| Gross Area | 2,398 sqft Gross Area |
| 1st Floor | 1,723 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached Garage |
| Garage Area | 440 sqft Garage |
| Porch Area | 235 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2946 HARLOW AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8997 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 226 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | GRAMERCY FARMS PH 4 |
| Legal Phase | 4 |
| Legal Lot Number | 226 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 19-26-31-0161-0001-2260
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2946 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Sep 21, 2021 | Warranty Deed, Transfer FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Jul 28, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jan 07, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Mar 14, 2019 | Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 27, 2024 · Amount on Record |
| Deed Sale | Dec 27, 2024 · Amount on Record |
| Prior Sale | Sep 21, 2021 · Amount on Record |
| Deed Doc Number | 2024162733 |
| Deed Book / Page | 6716 / 2178 |
| Prior Transfer Date | Jul 01, 2024 |
| Prior Transfer Doc | 0066321627 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 21, 2021 |
| Property Address | 2946 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Document Number | 0060472958 |
| Book / Page | 6047 / 2958 |
| Map Reference | MB 26 PG 79-82 |
| Instrument Date | Sep 20, 2021 |
| Instrument | 2021146044 |
| Transaction Type | Transfer |
| Record Updated | Oct 01, 2021 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,275.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2946 HARLOW AVE, 2946, SAINT CLOUD, FL 34772-8997 |
| Name | Verified Name |
|---|---|
| Address | 2711 N HASKELL AVE STE 2100, 2100, DALLAS, TX 75204-2933 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2946 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2946 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Document Number | 0060110098 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 6011/98 |
| Instrument | 2021116584 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2946 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056530694 |
|---|---|
| Date | Jan 07, 2020 |
| Book Page | 5653/0694 |
| Instrument | 2020002136 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 14, 2019 |
| Property Address | 2946 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Document Number | 0054911331 |
| Book / Page | 5491 / 1331 |
| Map Reference | MB 26 PG 79-82 |
| Instrument Date | Mar 12, 2019 |
| Instrument | 2019032712 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,765.40 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 2946 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Document Number | 2019032713 |
|---|---|
| Date | Mar 14, 2019 |
| Instrument | 2019032713 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $7,053.00 (-7.17%) | $320,300 (-0.62%) Land $70,000 Building $250,300 | $320,300 (-0.62%) Land $70,000 Building $250,300 |
| 2024 | $7,598.00 (+1.96%) | ||
| 2023 | $7,452.00 (+8.57%) | $322,300 (+16.02%) Land $60,000 Building $262,300 | $322,300 (+16.02%) Land $60,000 Building $262,300 |
| 2022 | $6,864.00 | $277,800 Land $55,000 Building $222,800 | $277,800 Land $55,000 Building $222,800 |
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 500 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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