2970 Harlow Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2970 Harlow Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,060 sqft · built 2018
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$248,400 (Jul 2018)
Tax Bill	$5,328 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`192631016100012200`

Property Details

APN / Parcel Number

Primary APN	`192631016100012200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,060 sqft Heated Area
Gross Area	2,807 sqft
1st Floor Area	2,060 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	307 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2970 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 220
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	220
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jul 19, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 27, 2021	Deed of Trust, Mortgage · FHA Mortgage CORELOGIC SOLEX
Oct 29, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 9, 2018	Special Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2018 · Amount on Record
Deed Sale	Jul 9, 2018 · Amount on Record
Prior Sale	Feb 13, 2018 · Amount on Record
Deed Document Number	2018103999
Deed Book / Page	5363 / 0712
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Transaction Type	Mortgage
Record Updated	Nov 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997

Mortgage

Document Number	0068521697
Date	Sep 24, 2025
Book Page	6852/1697
Instrument	2025117359

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997

Mortgage

Document Number	0062540568
Date	Jul 19, 2022
Book Page	6254/568
Instrument	2022111103

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Nov 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997

Mortgage

Document Number	0061150217
Date	Dec 27, 2021
Book Page	6115/217
Instrument	2021198502

Lender

Name	CORELOGIC SOLEX
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Nov 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997

Mortgage

Document Number	0058220171
Date	Oct 29, 2020
Book Page	5822/171
Instrument	2020146699

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

July 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 9, 2018
Property Address	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997
Document Number	0053630712
Book / Page	5363 / 0712
Map Reference	MB26 PG79
Instrument Date	Jul 2, 2018
Instrument	2018103999
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,738.80
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	2970 HARLOW AVE, SAINT CLOUD, FL 34772-8997

Mortgage

Document Number	2018104000
Date	Jul 9, 2018
Instrument	2018104000

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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	$5,328.00 (+8.76%) Homeowner's exemption	$223,938 (+5.99%)	$352,400 (-0.93%) Land $70,000 Building $282,400
2023	$4,899.00 (+2.25%) Homeowner's exemption	$211,289 (+3%)	$355,700 (+15.83%) Land $60,000 Building $295,700
2022	$4,791.00 Homeowner's exemption	$205,135	$307,100 Land $55,000 Building $252,100

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 100 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 66% of the US · above 43% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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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