Osceola County property record for 3145 Crispin Cir, Harmony, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,901 sqft · built 2020 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $301,500 (Apr 2020) |
| Tax Bill | $6,073 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 242631338200011260 |
| Primary APN | 242631338200011260 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,901 sqft Heated Area |
| Gross Area | 2,586 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.239 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3145 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 126 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 24 |
| Legal Subdivision | HARMONY WEST PHS 1A |
| Legal Phase | 1A |
| Legal Tract | 3382 |
| Legal Lot Number | 126 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2120 |
| Census Tract | 43801 |
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 Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3145 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 3, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Apr 7, 2021 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Sep 17, 2020 | Deed of Trust, Mortgage · VA Mortgage FIRST MTG SOLUTIONS |
| Apr 23, 2020 | Special Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2020 · Amount on Record |
| Deed Sale | Apr 23, 2020 · Amount on Record |
| Deed Document Number | 2020055460 |
| Deed Book / Page | 5712 / 879 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3145 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3145 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Document Number | 0064341405 |
|---|---|
| Date | Jul 3, 2023 |
| Book Page | 6434/1405 |
| Instrument | 2023085534 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3145 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 3145 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Document Number | 0059301886 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 5930/1886 |
| Instrument | 2021052639 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3145 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Document Number | 0057972797 |
| Instrument Date | Sep 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2020 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3210 CRISPIN CIR HARMONY FL 347736114, HARMONY, FL 34773-6114 |
| Document Number | 0057972797 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 005797/002797 |
| Instrument | 126568 |
| Name | FIRST MTG SOLUTIONS |
|---|---|
| Type | Mortgage Company |
| Address | KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 21, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 23, 2020 |
| Property Address | 3145 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Document Number | 0057120879 |
| Book / Page | 5712 / 879 |
| Map Reference | MB 27 PG 116-120 |
| Instrument Date | Apr 6, 2020 |
| Instrument | 2020055460 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CLEAR TITLE OF FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,110.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 370 CENTERPOINTE CIR STE 1136, 370, ALTAMONTE SPRINGS, FL 32701-3451 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3145 CRISPIN CIR, HARMONY, FL 34773-6111 |
| Document Number | 0057120881 |
|---|---|
| Date | Apr 23, 2020 |
| Instrument | 5712/0881 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
Source: Osceola County assessment roll, as of July 1, 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 | $6,073.00 (+6.71%) Homeowner's exemption | $277,167 (+5.99%) | $346,800 (+13.44%) Land $80,000 Building $266,800 |
| 2023 | $5,691.00 (+5.29%) Homeowner's exemption | $261,511 (+3%) | $305,700 (+13.6%) Land $60,000 Building $245,700 |
| 2022 | $5,405.00 Homeowner's exemption | $253,895 | $269,100 Land $60,000 Building $209,100 |
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 82% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
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 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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