Osceola County property record for 3097 Crispin Cir, Harmony, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 2,883 sqft · built 2021 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $373,000 (May 2021) |
| Tax Bill | $8,012 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Feb 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-26-31-3382-0001-1210 |
| Primary APN | 24-26-31-3382-0001-1210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,883 sqft Living Area |
| Gross Area | 3,601 sqft |
| 1st Floor Area | 1,731 sqft |
| Flooring | Tile |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Heating System | Central |
|---|
| Street Address | 3097 CRISPIN CIR |
|---|---|
| City | HARMONY |
| State | FL |
| Zip | 34773-6111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARMONY WEST PH 1A PB 27 PGS 116-120 LOT 121 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 24 |
| Legal Subdivision | HARMONY WEST PH 1A |
| Legal Phase | 1A |
| Legal Lot Number | 121 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2119 |
| Census Tract | 43801 |
Source: Osceola County records, as of April 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3097 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · VA Mortgage FBC MORTGAGE LLC |
| Feb 11, 2020 | Loan Modification, Mortgage · Line of Credit CENTENNIAL BK |
| Feb 12, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2021 · Amount on Record |
| Deed Sale | May 5, 2021 · Amount on Record |
| Deed Document Number | 202169323 |
| Deed Book / Page | 5951 / 2645 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3097 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Title Company | CLEAR TITLE OF FLORIDA LLC |
| Name | Verified Name |
|---|---|
| Address | 12814 OULTON CIR, ORLANDO, FL 32832-6126 |
| Document Number | 0059512647 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 5951/2647 |
| Instrument | 2021069324 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3097 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Document Number | 0056730851 |
| Instrument Date | Feb 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 370 CENTERPOINTE CIR #1136 ALTAMONTE SPRINGS FL 327013451, 1136, ALTAMONTE SPRINGS, FL 32701-3451 |
| Document Number | 0056730851 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 005673/000851 |
| Instrument | 21426 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | 201 E GARDEN ST, PENSACOLA, FL 32502-6038 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 12, 2020 |
| Property Address | 3097 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Document Number | 0056730836 |
| Book / Page | 005673 / 000836 |
| Instrument Date | Feb 11, 2020 |
| Instrument | 21422 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $25,438.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 370 CENTERPOINTE CIR #1136 ALTAMONTE SPRINGS FL 327013451, 1136, ALTAMONTE SPRINGS, FL 32701-3451 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,012.00 (+4.76%) Homeowner's exemption | $417,164 (+5.99%) | $425,300 (+8.05%) Land $80,000 Building $345,300 |
| 2024 | $7,648.00 (+1.5%) | ||
| 2023 | $7,535.00 (+4.38%) Homeowner's exemption | $393,600 (+14.55%) Land $60,000 Building $333,600 | $393,600 (+14.55%) Land $60,000 Building $333,600 |
| 2022 | $7,219.00 | $343,600 Land $60,000 Building $283,600 | $343,600 Land $60,000 Building $283,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 64 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 64 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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