Osceola County property record for 3197 Crispin Cir, Harmony, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 2,883 sqft · built 2020 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,076 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-26-31-3382-0001-1050 |
| Primary APN | 24-26-31-3382-0001-1050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,883 sqft Living Area |
| Gross Area | 3,601 sqft |
| 1st Floor Area | 1,731 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3197 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 105 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 24 |
| Legal Subdivision | HARMONY WEST PH 1A |
| Legal Phase | 1A |
| Legal Lot Number | 105 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2119 |
| Census Tract | 43801 |
Source: Osceola County records, as of November 26, 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 Record |
|---|---|
| Mailing Address | 3197 CRISPIN CIR, HARMONY, FL 34773-6113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Sep 17, 2020 | Deed of Trust, Mortgage · VA Mortgage FIRST MTG SOLUTIONS |
| Jun 11, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 4, 2021 |
| Transfer Doc | 0061260202 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 10, 2022 |
| Property Address | 3197 CRISPIN CIR, HARMONY, FL 34773-6113 |
| Document Number | 0061260202 |
| Book / Page | 6126 / 202 |
| Map Reference | MB 27 PG 116-120 |
| Instrument Date | Dec 4, 2021 |
| Instrument | 2022005066 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3197 CRISPIN CIR, HARMONY, FL 34773-6113 |
| Document Number | 0006126209 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 6126/209 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3197 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 | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 11, 2020 |
| Property Address | 3197 CRISPIN CIR, HARMONY, FL 34773-6113 |
| Document Number | 0057352317 |
| Book / Page | 005735 / 002317 |
| Instrument Date | May 15, 2020 |
| Instrument | 74775 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 30, 2020 |
| Title Company | CLEAR TITLE/FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,436.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3197 CRISPIN CIR HARMONY FL 347736113, HARMONY, FL 34773-6113 |
| Document Number | 57352319 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 005735/002319 |
| Instrument | 74776 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 10, 2050 |
Source: Osceola County assessment roll, as of November 26, 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 | $7,076.00 (+3.94%) Homeowner's exemption Widower's exemption | $354,545 (+5.99%) | $425,300 (+7.86%) Land $80,000 Building $345,300 |
| 2024 | $6,808.00 (+1.46%) | ||
| 2023 | $6,710.00 (+4.93%) Homeowner's exemption | $334,518 (+3%) | $394,300 (+14.46%) Land $60,000 Building $334,300 |
| 2022 | $6,395.00 Homeowner's exemption | $324,775 | $344,500 Land $60,000 Building $284,500 |
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 |
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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