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  5. Crispin Cir

3105 Crispin Cir, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3105 Crispin Cir, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,290 sqft · built 2021
Lot Size0.18 acres (7,841 sqft)
OwnerIndividual Name on File
Last Sale$366,700 (Mar 2021)
Tax Bill$8,163 (2025)
Deeds & MortgagesMar 2021 Sale & Mortgage
Feb 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN242631338200011230

Property Details

APN / Parcel Number

Primary APN242631338200011230

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,290 sqft Heated Area
Gross Area3,100 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,841 sqft (0.18 acres)
Garage TypeFinished
PorchOpen Porch
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3105 CRISPIN CIR
CityHARMONY
StateFL
Zip34773-6111
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 123
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PHS 1A
Legal Phase1A
Legal Tract3382
Legal Lot Number123
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2120
Census Tract43801

Owner

Source: Osceola County records · APN 242631338200011230

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3105 CRISPIN CIR, HARMONY, FL 34773-6111
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 01, 2021Special Warranty Deed, Transfer · Conventional Mortgage
CALIBER HOME LOANS INC
Feb 12, 2020Grant Deed, Transfer
ATTORNEY ONLY
Feb 11, 2020Loan Modification, Mortgage · Line of Credit
CENTENNIAL BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 01, 2021 · Amount on Record
Deed SaleMar 01, 2021 · Amount on Record
Deed Document Number2021029339
Deed Book / Page5900 / 2370
Record UpdatedJun 08, 2026

March 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 01, 2021
Property Address3105 CRISPIN CIR, HARMONY, FL 34773-6111
Document Number0059002370
Book / Page5900 / 2370
Map ReferenceMB 27 PG 116-120
Instrument DateFeb 05, 2021
Instrument2021029339
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$2,566.90
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
RelationshipJoint Tenants
Address3105 CRISPIN CIR, HARMONY, FL 34773-6111

Mortgage

Document Number0059002372
DateMar 01, 2021
Instrument5900/2372
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 12, 2020
Property Address3105 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

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3105 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

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$8,163.00 (+12.01%)$387,200 (+12.99%) Land $80,000 Building $307,200$387,200 (+12.99%) Land $80,000 Building $307,200
2023$7,288.00 (+10.01%)$342,700 (+13.82%) Land $60,000 Building $282,700$342,700 (+13.82%) Land $60,000 Building $282,700
2022$6,625.00$301,100 Land $60,000 Building $241,100$301,100 Land $60,000 Building $241,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 22 locations within half a mile · Last verified October 2026

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

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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