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3076 Crispin Cir, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3076 Crispin Cir, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,947 sqft · built 2021
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on File
Last Sale$403,800 (Jan 2022)
Tax Bill$2,994 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Feb 2020 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN24-26-31-3382-0001-0770

Property Details

APN / Parcel Number

Primary APN24-26-31-3382-0001-0770
Alternative APN
  • 263124338200010770

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,947 sqft Living Area
Gross Area3,707 sqft
1st Floor Area1,360 sqft
FlooringTile

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleL-Shape
Exterior MaterialCombination
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Garage Area400 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address3076 CRISPIN CIR
CityHARMONY
StateFL
Zip34773-6110
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 77
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PH 1A
Legal Phase1A
Legal Lot Number77
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2119
Census Tract43801

Owner

Source: Osceola County assessment roll, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3076 CRISPIN CIR, HARMONY, FL 34773-6110
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 5, 2022Special Warranty Deed, Transfer · VA Mortgage
NORTHPOINT MORTGAGE INC
Feb 11, 2020Loan Modification, Mortgage · Line of Credit
CENTENNIAL BK
Feb 12, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 5, 2022 · Amount on Record
Deed SaleJan 5, 2022 · Amount on Record
Deed Document Number20222364
Deed Book / Page6122 / 1829
Record UpdatedSep 20, 2026

January 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 5, 2022
Property Address3076 CRISPIN CIR, HARMONY, FL 34773-6110
Document Number0061221829
Book / Page6122 / 1829
Map ReferenceMB 27 PG 116-120
Instrument DateDec 29, 2021
Instrument2022002364
Transaction TypeTransfer
Record UpdatedJan 10, 2023
Title CompanyCLEAR TITLE/S FL INC, CLEAR TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,826.60
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
Address3076 CRISPIN CIR, HARMONY, FL 34773-6110

Mortgage

Document Number0061221831
DateJan 5, 2022
Instrument6122/1831
Lender
NameNORTHPOINT MORTGAGE INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2052

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3076 CRISPIN CIR, HARMONY, FL 34773-6110
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

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 12, 2020
Property Address3076 CRISPIN CIR, HARMONY, FL 34773-6110
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

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$2,994.00 (+6.81%) Homeowner's exemption Veteran's exemption$373,677 (+5.99%)$424,300 (+8.3%) Land $84,000 Building $340,300
2024$2,803.00 (+0.32%)
2023$2,794.00 (+37.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$352,569 (+3%)$391,800 (+14.46%) Land $63,000 Building $328,800
2022$2,039.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$342,300 Land $63,000 Building $279,300$342,300 Land $63,000 Building $279,300

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
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 80% of the US · above 70% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
burnable vegetation at the parcel

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 187 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

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