Osceola County property record for 2962 Harlow Ave, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,527 sqft Living Area |
| Lot Size | 6,969 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $342,500 (2021) |
| Tax Bill | $7,220.00 (2024) |
| Primary APN | 19-26-31-0161-0001-2220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,527 sqft Living Area |
| Gross Area | 2,086 sqft Gross Area |
| 1st Floor | 1,527 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,969 sqft (0.16 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Porch Area | 159 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2962 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 222 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | GRAMERCY FARMS PH 4 |
| Legal Phase | 4 |
| Legal Lot Number | 222 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 19-26-31-0161-0001-2220
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 | 2962 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 21, 2021 | Warranty Deed, Transfer |
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Sep 26, 2018 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOME SOLUTION LENDERS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 21, 2021 · Amount on Record |
| Deed Sale | Dec 21, 2021 · Amount on Record |
| Prior Sale | Sep 26, 2018 · Amount on Record |
| Deed Doc Number | 2021196964 |
| Deed Book / Page | 6113 / 74 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 21, 2021 |
| Property Address | 2962 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Document Number | 0061130074 |
| Book / Page | 6113 / 74 |
| Map Reference | MB 26 PG 79 |
| Instrument Date | Dec 20, 2021 |
| Instrument | 2021196964 |
| Transaction Type | Transfer |
| Record Updated | Jan 07, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,397.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2962 HARLOW AVE, 2962, SAINT CLOUD, FL 34772-8997 |
| Name | Verified Name |
|---|---|
| Address | 3003 MALLORY CIR APT 8203, 8203, KISSIMMEE, FL 34747-1881 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2962 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2962 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Document Number | 0059351343 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 5935/1343 |
| Instrument | 2021056417 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 09, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 26, 2018 |
| Property Address | 2962 HARLOW AVE, SAINT CLOUD, FL 34772-8997 |
| Document Number | 0054071452 |
| Book / Page | 005407 / 001452 |
| Instrument Date | Sep 20, 2018 |
| Instrument | 145014 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2018 |
| Title Company | INNOVATIVE TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,523.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2962 HARLOW AVE ST CLOUD FL 347728997, ST CLOUD, FL 34772-8997 |
| Document Number | 54071453 |
|---|---|
| Date | Sep 26, 2018 |
| Book Page | 005407/001453 |
| Instrument | 145015 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL 33830 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2048 |
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 | $6,678.00 (-7.51%) Homeowner's exemption | $299,400 (-0.27%) Land $70,000 Building $229,400 | $299,400 (-0.27%) Land $70,000 Building $229,400 |
| 2024 | $7,220.00 (+1.96%) | ||
| 2023 | $7,081.00 (+8.32%) | $300,200 (+15.59%) Land $60,000 Building $240,200 | $300,200 (+15.59%) Land $60,000 Building $240,200 |
| 2022 | $6,537.00 | $259,700 Land $55,000 Building $204,700 | $259,700 Land $55,000 Building $204,700 |
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 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 394 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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