3177 Crispin Cir, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3177 Crispin Cir, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,901 sqft · built 2019
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$285,500 (Jan 2020)
Tax Bill	$5,984 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`242631338200011330`

Property Details

APN / Parcel Number

Primary APN	`242631338200011330`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,901 sqft Heated Area
Gross Area	2,586 sqft
1st Floor Area	1,901 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	244 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3177 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 133
Legal Range	31E
Legal Township	26S
Legal Section	24
Legal Subdivision	HARMONY WEST PHS 1A
Legal Phase	1A
Legal Tract	3382
Legal Lot Number	133
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2120
Census Tract	43801

Owner

Source: Osceola County records · APN 242631338200011330

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 Record	2 Individual Names on File
Mailing Address	3177 CRISPIN CIR, HARMONY, FL 34773-6111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL BANK NA
Sep 17, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST MTG SOLUTIONS
Jan 08, 2020	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 08, 2020 · Amount on Record
Deed Sale	Jan 08, 2020 · Amount on Record
Deed Document Number	2020003039
Deed Book / Page	5654 / 0499
Record Updated	Jun 08, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3177 CRISPIN CIR, HARMONY, FL 34773-6111
Transaction Type	Mortgage
Record Updated	Feb 08, 2022
Title Company	ST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3177 CRISPIN CIR, HARMONY, FL 34773-6111

Mortgage

Document Number	0057941204
Date	Sep 16, 2020
Book Page	5794/1204
Instrument	2020123724

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 01, 2045

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3177 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

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3210 CRISPIN CIR HARMONY FL 347736114, HARMONY, FL 34773-6114

Mortgage

Document Number	0057972797
Date	Sep 22, 2020
Book Page	005797/002797
Instrument	126568

Lender

Name	FIRST MTG SOLUTIONS
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 08, 2020
Property Address	3177 CRISPIN CIR, HARMONY, FL 34773-6111
Document Number	0056540499
Book / Page	005654 / 000499
Instrument Date	Dec 19, 2019
Instrument	3039
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	CLEAR TITLE/FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,999.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3177 CRISPIN CIR HARMONY FL 347736111, HARMONY, FL 34773-6111

Mortgage

Document Number	56540501
Date	Jan 08, 2020
Book Page	005654/000501
Instrument	3040

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 07, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,984.00 (+6.72%) Homeowner's exemption	$270,792 (+5.99%)	$340,300 (+13.62%) Land $80,000 Building $260,300
2023	$5,607.00 (+5.65%) Homeowner's exemption	$255,497 (+3.49%)	$299,500 (+14.23%) Land $60,000 Building $239,500
2022	$5,307.00 Homeowner's exemption	$246,891	$262,200 Land $60,000 Building $202,200

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 64 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force

Wildfire

Wildfire Risk	High above 81% of the US · above 70% of Florida
Wildfire Likelihood	About 1 in 157 per year
Exposure	Direct 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, availability as of December 31, 2025 · Published October 2026 · based on 187 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

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

Mobile Coverage

5G and 4G LTE

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