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3128 Crispin Cir, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3128 Crispin Cir, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,947 sqft · built 2020
Lot Size0.21 acres (9,148 sqft)
OwnerIndividual Name on Record
Last Sale$555,000 (Jul 2022)
Tax Bill$8,465 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Feb 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN242631338200010880

Property Details

APN / Parcel Number

Primary APN242631338200010880

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,947 sqft Heated Area
Gross Area3,907 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,148 sqft (0.21 acres)
Garage TypeFinished
PorchFinished/Screened Porch
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address3128 CRISPIN CIR
CityHARMONY
StateFL
Zip34773-6112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 88
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PHS 1A
Legal Phase1A
Legal Tract3382
Legal Lot Number88
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 Address3128 CRISPIN CIR, HARMONY, FL 34773-6112
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 29, 2022Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE
Feb 5, 2021Special Warranty Deed, Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Feb 12, 2020Grant Deed, Transfer
ATTORNEY ONLY
Feb 11, 2020Loan Modification, Mortgage · Line of Credit
CENTENNIAL BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 29, 2022 · Amount on Record
Deed SaleJul 29, 2022 · Amount on Record
Prior SaleFeb 5, 2021 · Amount on Record
Deed Document Number2022116826
Deed Book / Page6260 / 1028
Record UpdatedJun 8, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 29, 2022
Property Address3128 CRISPIN CIR, HARMONY, FL 34773-6112
Document Number0062601028
Book / Page6260 / 1028
Map ReferenceMB 27 PG 116-120
Instrument DateJul 28, 2022
Instrument2022116826
Transaction TypeTransfer
Record UpdatedAug 11, 2022
Title CompanySAINT LAWRENCE TITLE INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,885.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1351 WATERFORD OAK DR APT 204, 1351, ORLANDO, FL 32828-5984

Transferred To (Grantee/Buyer)

NameVerified Name
Address3128 CRISPIN CIR, HARMONY, FL 34773-6112

Mortgage

Document Number0062601030
DateJul 29, 2022
Instrument6260/1030
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052

February 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 5, 2021
Property Address3128 CRISPIN CIR, HARMONY, FL 34773-6112
Document Number0058851628
Book / Page5885 / 1628
Map ReferenceMB 27 PG 116-120
Instrument DateDec 29, 2020
Instrument2021016979
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
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$2,913.40
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
Address3128 CRISPIN CIR, HARMONY, FL 34773-6112

Mortgage

Document Number0058851630
DateFeb 5, 2021
Instrument5885/1630
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueJan 1, 2051

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 12, 2020
Property Address3128 CRISPIN CIR, HARMONY, FL 34773-6112
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 Address3128 CRISPIN CIR, HARMONY, FL 34773-6112
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 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$8,465.00 (+0.45%) Homeowner's exemption$435,800 (+8.03%) Land $84,000 Building $351,800$435,800 (+8.03%) Land $84,000 Building $351,800
2023$8,427.00 (+25.98%)$403,400 (+21.37%) Land $63,000 Building $340,400$403,400 (+14.47%) Land $63,000 Building $340,400
2022$6,689.00 Homeowner's exemption Widower's exemption$332,378$352,400 Land $63,000 Building $289,400

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 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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