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3089 Crispin Cir, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3089 Crispin Cir, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details6 bd · 3 ba · 2,883 sqft · built 2020
Lot Size0.26 acres (11,326 sqft)
OwnerIndividual Name on Record
Last Sale$366,900 (Nov 2020)
Tax Bill$7,090 (2025)
Deeds & MortgagesJul 2023 Mortgage
Nov 2020 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN242631338200011190

Property Details

APN / Parcel Number

Primary APN242631338200011190

Interior

Bedrooms6 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,883 sqft Heated Area
Gross Area3,601 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,326 sqft (0.26 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address3089 CRISPIN CIR
CityHARMONY
StateFL
Zip34773-6111
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 119
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PHS 1A
Legal Phase1A
Legal Tract3382
Legal Lot Number119
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2120
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-ownerCo-owner on Record
Mailing Address3089 CRISPIN CIR, HARMONY, FL 34773-6111
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 19, 2023Deed of Trust, Mortgage · FHA Mortgage
NEWREZ LLC
Nov 2, 2020Special Warranty Deed, Transfer
CLEAR TITLE OF FLORIDA INC
Feb 11, 2020Loan Modification, Mortgage · Line of Credit
CENTENNIAL BK
Feb 12, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 2, 2020 · Amount on Record
Deed SaleNov 2, 2020 · Amount on Record
Deed Document Number2020148446
Deed Book / Page5824 / 796
Record UpdatedJun 8, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3089 CRISPIN CIR, HARMONY, FL 34773-6111
Transaction TypeMortgage
Record UpdatedAug 1, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3089 CRISPIN CIR, HARMONY, FL 34773-6111

Mortgage

Document Number0064422624
DateJul 19, 2023
Book Page6442/2624
Instrument2023093139
Lender
NameNEWREZ LLC
TypeMortgage Company
AddressTEMPE, AZ 85284
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term326 Months
DueSep 1, 2050

November 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 2, 2020
Property Address3089 CRISPIN CIR, HARMONY, FL 34773-6111
Document Number0058240796
Book / Page5824 / 796
Map ReferenceMB 27 PG 116-120
Instrument DateAug 28, 2020
Instrument2020148446
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyCLEAR TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
Tax$2,568.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address370 CENTERPOINTE CIR STE 1136, 370, ALTAMONTE SPRINGS, FL 32701-3451

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address3089 CRISPIN CIR, HARMONY, FL 34773-6111

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3089 CRISPIN CIR, HARMONY, FL 34773-6111
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 Address3089 CRISPIN CIR, HARMONY, FL 34773-6111
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 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$7,090.00 (+6.49%) Homeowner's exemption$350,591 (+5.99%)$422,100 (+8.01%) Land $80,000 Building $342,100
2023$6,658.00 (+4.93%) Homeowner's exemption$330,788 (+3%)$390,800 (+14.67%) Land $60,000 Building $330,800
2022$6,345.00 Homeowner's exemption$321,154$340,800 Land $60,000 Building $280,800

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 500 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 78% of the US · above 67% of Florida
Wildfire Likelihood0.7% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
T-Mobile
Fixed Wireless		100 / 20

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