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3157 Crispin Cir, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3157 Crispin Cir, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,901 sqft · built 2020
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on File
Last Sale$280,000 (May 2020)
Tax Bill$6,049 (2025)
Deeds & MortgagesJul 2026 Mortgage
Sep 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN242631338200011290

Property Details

APN / Parcel Number

Primary APN242631338200011290

Interior

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

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,970 sqft (0.16 acres)
Garage TypeFinished
PorchOpen Porch
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3157 CRISPIN CIR
CityHARMONY
StateFL
Zip34773-6111
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 129
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PHS 1A
Legal Phase1A
Legal Tract3382
Legal Lot Number129
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2120
Census Tract43801

Owner

Source: Osceola County records · APN 242631338200011290

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 Record2 Individual Names on File
Mailing Address3157 CRISPIN CIR, HARMONY, FL 34773-6111
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 16, 2026Deed of Trust, Mortgage · FHA Mortgage
SERVICELINK
Sep 17, 2020Deed of Trust, Mortgage · VA Mortgage
FIRST MTG SOLUTIONS
May 18, 2020Grant Deed, Transfer · FHA Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 18, 2020 · Amount on Record
Deed SaleMay 18, 2020 · Amount on Record
Deed Document Number2020064997
Deed Book / Page5723 / 1699
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 16, 2026
Property Address3157 CRISPIN CIR, HARMONY, FL 34773-6111
Document Number0000093187
Book / Page7004 / 2685
Instrument DateJun 23, 2026
Instrument202693187
Transaction TypeMortgage
Record UpdatedJul 27, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3157 CRISPIN CIR, HARMONY, FL 34773-6111

Mortgage

Document Number0000093187,
DateJul 16, 2026
Book Page7004/2685
Instrument202693187
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term286 Months
DueMay 01, 2050
Interest
Rate6.53%
Max Rate-1%

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3157 CRISPIN CIR, HARMONY, FL 34773-6111
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

May 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 18, 2020
Property Address3157 CRISPIN CIR, HARMONY, FL 34773-6111
Document Number0057231699
Book / Page005723 / 001699
Instrument DateApr 29, 2020
Instrument64997
Transaction TypeTransfer
Record UpdatedJul 21, 2020
Title CompanyCLEAR TITLE/FL LLC

Transaction

AmountAmount Recorded
Tax$14.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3157 CRISPIN CIR HARMONY FL 347736111, HARMONY, FL 34773-6111

Mortgage

Document Number57231701
DateMay 18, 2020
Book Page005723/001701
Instrument64998
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 17, 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$6,049.00 (+6.72%) Homeowner's exemption$275,480 (+5.99%)$344,200 (+13.41%) Land $80,000 Building $264,200
2023$5,668.00 (+5.29%) Homeowner's exemption$259,920 (+3%)$303,500 (+13.5%) Land $60,000 Building $243,500
2022$5,383.00 Homeowner's exemption$252,350$267,400 Land $60,000 Building $207,400

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
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 64 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies64 in force

Wildfire

Wildfire RiskHigh
above 79% of the US · above 67% of Florida
Wildfire LikelihoodAbout 1 in 153 per year
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 · Published October 2026 · based on 22 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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