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3028 Crispin Cir, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3028 Crispin Cir, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,361 sqft · built 2021
Lot Size0.18 acres (7,841 sqft)
OwnerIndividual Name on Record
Last Sale$355,000 (Jun 2021)
Tax Bill$6,488 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Feb 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN242631338200010130

Property Details

APN / Parcel Number

Primary APN242631338200010130

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,361 sqft Heated Area
Gross Area3,034 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,841 sqft (0.18 acres)
Garage TypeFinished
PorchFinished/Screened Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address3028 CRISPIN CIR
CityHARMONY
StateFL
Zip34773-6108
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 13
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PHS 1A
Legal Phase1A
Legal Tract3382
Legal Lot Number13
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2119
Census Tract43801

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 RecordIndividual Name on Record
Co-owner2 Co-owners on Record
Mailing Address3028 CRISPIN CIR, HARMONY, FL 34773-6108
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2021Special Warranty Deed, Transfer · FHA Mortgage
FBC MORTGAGE LLC
Feb 12, 2020Grant Deed, Transfer
ATTORNEY ONLY
Feb 11, 2020Loan Modification, Mortgage · Line of Credit
CENTENNIAL BK

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleJun 29, 2021 · Amount on Record
Deed SaleJun 29, 2021 · Amount on Record
Deed Document Number2021101065
Deed Book / Page5991 / 613
Record UpdatedJun 8, 2026

June 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 29, 2021
Property Address3028 CRISPIN CIR, HARMONY, FL 34773-6108
Document Number0059910613
Book / Page5991 / 613
Map ReferenceMB 27 PG 116-120
Instrument DateMay 27, 2021
Instrument2021101065
Transaction TypeTransfer
Record UpdatedJan 10, 2023
Title CompanyCLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,485.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address370 CENTERPOINTE CIR STE 1136, 1136, ALTAMONTE SPRINGS, FL 32701-3451

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3028 CRISPIN CIR, HARMONY, FL 34773-6108

Mortgage

Document Number0005991615
DateJun 29, 2021
Instrument5991/615
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2051

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 12, 2020
Property Address3028 CRISPIN CIR, HARMONY, FL 34773-6108
Document Number0056730836
Book / Page005673 / 000836
Instrument DateFeb 11, 2020
Instrument21422
Transaction TypeTransfer
Record UpdatedMar 18, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$25,438.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address370 CENTERPOINTE CIR #1136 ALTAMONTE SPRINGS FL 327013451, 1136, ALTAMONTE SPRINGS, FL 32701-3451

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3028 CRISPIN CIR, HARMONY, FL 34773-6108
Document Number0056730851
Instrument DateFeb 11, 2020
Transaction TypeMortgage
Record UpdatedMar 20, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address370 CENTERPOINTE CIR #1136 ALTAMONTE SPRINGS FL 327013451, 1136, ALTAMONTE SPRINGS, FL 32701-3451

Mortgage

Document Number0056730851
DateFeb 12, 2020
Book Page005673/000851
Instrument21426
Lender
NameCENTENNIAL BK
TypeBank
Address201 E GARDEN ST, PENSACOLA, FL 32502-6038
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,488.00 (+6.78%) Homeowner's exemption$321,167 (+5.99%)$375,500 (+13.27%) Land $80,000 Building $295,500
2023$6,076.00 (+5.25%) Homeowner's exemption$303,026 (+3%)$331,500 (+12.68%) Land $60,000 Building $271,500
2022$5,773.00 Homeowner's exemption$294,200 Land $60,000 Building $234,200$294,200 Land $60,000 Building $234,200

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 64 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies64 in force

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 RiskHigh
above 78% of the US · above 67% of Florida
Wildfire Likelihood0.7% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 55 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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