Osceola County property record for 3191 Crispin Cir, Harmony, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,947 sqft · built 2020 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Oct 2020) |
| Tax Bill | $7,485 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 242631338200011070 |
| Primary APN | 242631338200011070 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,947 sqft Heated Area |
| Gross Area | 4,707 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.269 acres) |
| Garage Type | Finished |
| Porch | Finished/Screened Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3191 CRISPIN CIR |
|---|---|
| City | HARMONY |
| State | FL |
| Zip | 34773-6113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARMONY WEST PH 1A PB 27 PGS 116-120 LOT 107 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 24 |
| Legal Subdivision | HARMONY WEST PHS 1A |
| Legal Phase | 1A |
| Legal Tract | 3382 |
| Legal Lot Number | 107 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2119 |
| Census Tract | 43801 |
Source: Osceola County assessment roll, as of July 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3191 CRISPIN CIR, HARMONY, FL 34773-6113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2020 | Deed of Trust, Mortgage · VA Mortgage FIRST MTG SOLUTIONS |
| Oct 2, 2020 | Special Warranty Deed, Transfer · VA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 2, 2020 · Amount on Record |
| Deed Sale | Oct 2, 2020 · Amount on Record |
| Deed Document Number | 2020132282 |
| Deed Book / Page | 5804 / 2558 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3191 CRISPIN CIR, HARMONY, FL 34773-6113 |
| 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 | Oct 2, 2020 |
| Property Address | 3191 CRISPIN CIR, HARMONY, FL 34773-6113 |
| Document Number | 0058042558 |
| Book / Page | 5804 / 2558 |
| Map Reference | MB 27 PG 116-120 |
| Instrument Date | Aug 17, 2020 |
| Instrument | 2020132282 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CLEAR TITLE OF FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| 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 | Joint Tenants |
| Address | 3191 CRISPIN CIR, HARMONY, FL 34773-6113 |
| Document Number | 0058042560 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 5804/2560 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 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 | $7,485.00 (+6.43%) Homeowner's exemption | $379,088 (+5.99%) | $449,600 (+7.71%) Land $80,000 Building $369,600 |
| 2023 | $7,033.00 (+11.74%) Homeowner's exemption | $357,675 (+12.64%) | $417,400 (+23.71%) Land $60,000 Building $357,400 |
| 2022 | $6,294.00 Homeowner's exemption | $317,549 | $337,400 Land $60,000 Building $277,400 |
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 80% of the US · above 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 USA Fixed Wireless | 100 / 20 |
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