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3109 Crispin Cir, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3109 Crispin Cir, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,901 sqft · built 2021
Lot Size0.189 acres (8,276 sqft)
OwnerIndividual Name on Record
Last Sale$293,700 (Mar 2021)
Tax Bill$6,199 (2025)
Deeds & MortgagesDec 2023 Line of Credit
Mar 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN242631338200011240

Property Details

APN / Parcel Number

Primary APN242631338200011240

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,901 sqft Heated Area
Gross Area2,586 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.189 acres)
Garage TypeFinished
PorchOpen Porch
Patio Area300 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3109 CRISPIN CIR
CityHARMONY
StateFL
Zip34773-6111
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 124
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PHS 1A
Legal Phase1A
Legal Tract3382
Legal Lot Number124
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
Mailing Address3109 CRISPIN CIR, HARMONY, FL 34773-6111
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 29, 2023Deed of Trust, Mortgage · Line of Credit
PENTAGON FCU
Mar 1, 2021Special Warranty Deed, Transfer · FHA Mortgage
FBC MORTGAGE LLC
Feb 11, 2020Loan Modification, Mortgage · Line of Credit
CENTENNIAL BK
Feb 12, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 1, 2021 · Amount on Record
Deed SaleMar 1, 2021 · Amount on Record
Deed Document Number2021029493
Deed Book / Page5900 / 2782
Record UpdatedJun 8, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3109 CRISPIN CIR, HARMONY, FL 34773-6111
Transaction TypeMortgage
Record UpdatedJan 25, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3109 CRISPIN CIR, HARMONY, FL 34773-6111

Mortgage

Document Number0065270904
DateDec 29, 2023
Book Page6527/904
Instrument2023169405
Lender
NamePENTAGON FCU
TypeCredit Union
AddressMC LEAN, VA 22102
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueJan 7, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 1, 2021
Property Address3109 CRISPIN CIR, HARMONY, FL 34773-6111
Document Number0059002782
Book / Page5900 / 2782
Map ReferenceMB 27 PG 116-120
Instrument DateFeb 5, 2021
Instrument2021029493
Transaction TypeTransfer
Record UpdatedJan 10, 2023
Title CompanyCLEAR TITLE/S FL INC, CLEAR TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,055.90
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
Address3109 CRISPIN CIR, HARMONY, FL 34773-6111

Mortgage

Document Number0059002784
DateMar 1, 2021
Instrument5900/2784
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2051

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3109 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 Address3109 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$6,199.00 (+6.68%) Homeowner's exemption$286,304 (+5.99%)$349,400 (+13.37%) Land $80,000 Building $269,400
2023$5,811.00 (+5.23%) Homeowner's exemption$270,133 (+3%)$308,200 (+13.43%) Land $60,000 Building $248,200
2022$5,522.00 Homeowner's exemption$262,266$271,700 Land $60,000 Building $211,700

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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