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3148 Crispin Cir, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3148 Crispin Cir, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,901 sqft · built 2021
Lot Size0.21 acres (9,148 sqft)
OwnerIndividual Name on File
Last Sale$420,000 (Aug 2023)
Tax Bill$6,066 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Jun 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN242631338200010930

Property Details

APN / Parcel Number

Primary APN242631338200010930

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 Area9,148 sqft (0.21 acres)
Garage TypeFinished
PorchOpen Porch
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3148 CRISPIN CIR
CityHARMONY
StateFL
Zip34773-6112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 93
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PHS 1A
Legal Phase1A
Legal Tract3382
Legal Lot Number93
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2120
Census Tract43801

Owner

Source: Osceola County records · APN 242631338200010930

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 Address3148 CRISPIN CIR, HARMONY, FL 34773-6112
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2023Warranty Deed, Transfer · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jun 22, 2021Special Warranty Deed, Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Sep 17, 2020Deed of Trust, Mortgage · VA Mortgage
FIRST MTG SOLUTIONS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 18, 2023 · Amount on Record
Deed SaleAug 18, 2023 · Amount on Record
Prior SaleJun 22, 2021 · Amount on Record
Deed Document Number2023108681
Deed Book / Page6459 / 2783
Record UpdatedJun 08, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 18, 2023
Property Address3148 CRISPIN CIR, HARMONY, FL 34773-6112
Document Number0064592783
Book / Page6459 / 2783
Map ReferenceMB 27 PG 116-120
Instrument DateAug 17, 2023
Instrument2023108681
Transaction TypeTransfer
Record UpdatedAug 31, 2023
Title CompanyCONCIERGE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,940.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3148 CRISPIN CIR, HARMONY, FL 34773-6112

Mortgage

Document Number0064592785
DateAug 18, 2023
Instrument6459/2785
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2053

June 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 22, 2021
Property Address3148 CRISPIN CIR, HARMONY, FL 34773-6112
Document Number0059852210
Book / Page5985 / 2210
Map ReferenceMB 27 PG 116-120
Instrument DateMay 28, 2021
Instrument2021096768
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$2,279.90
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
Address3148 CRISPIN CIR, HARMONY, FL 34773-6112

Mortgage

Document Number0059852212
DateJun 22, 2021
Instrument5985/2212
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2051

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3148 CRISPIN CIR, HARMONY, FL 34773-6112
Document Number0057972797
Instrument DateSep 17, 2020
Transaction TypeMortgage
Record UpdatedOct 23, 2020
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3210 CRISPIN CIR HARMONY FL 347736114, HARMONY, FL 34773-6114

Mortgage

Document Number0057972797
DateSep 22, 2020
Book Page005797/002797
Instrument126568
Lender
NameFIRST MTG SOLUTIONS
TypeMortgage Company
AddressKANSAS CITY, MO 64114
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 21, 2050

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$6,066.00 (-12.81%) Homeowner's exemption$262,615 (-13.59%)$345,300 (+13.62%) Land $80,000 Building $265,300
2023$6,957.00 (+9.52%)$303,900 (+13.57%) Land $60,000 Building $243,900$303,900 (+13.57%) Land $60,000 Building $243,900
2022$6,352.00$267,600 Land $60,000 Building $207,600$267,600 Land $60,000 Building $207,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 82% of the US · above 72% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 187 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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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