3401 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3401 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,518 sqft · built 2013
Lot Size	0.312 acres (13,590 sqft)
Owner	Individual Name on Record
Tax Bill	$4 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0565-0001-2750`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0565-0001-2750`
Alternative APNs	`263027056500012750` `162281`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,518 sqft Living Area
Gross Area	3,115 sqft
1st Floor Area	2,518 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,590 sqft (0.312 acres)
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	161 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3401 HARLEQUIN DR
City	SAINT CLOUD
State	FL
Zip	34772-7828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MALLARD POND PH 3 PB 20 PGS 151-158 LOT 275
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 3
Legal Phase	3
Legal Tract	565
Legal Block	1
Legal Lot Number	275
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43207

Owner

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	Individual Name on Record
Mailing Address	3401 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2018	Deed of Trust, Mortgage · VA Mortgage 1ST RATE MORTGAGE INC
Mar 29, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 30, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 25, 2021	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Dec 18, 2019	Quit Claim Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2019
Deed Sale	Dec 18, 2019
Prior Sale	Jan 18, 2013 · Amount on Record
Deed Document Number	2019163867
Deed Book / Page	5642 / 1802
Prior Transfer Date	Dec 3, 2019
Prior Transfer Doc	0056421802
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3401 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053080281
Date	Mar 28, 2018
Book Page	5308/0281
Instrument	2018049414

Lender

Name	1ST RATE MORTGAGE INC
Type	Mortgage Company
Address	TEMPE, AZ 85283

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3401 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054991062
Date	Mar 29, 2019
Book Page	5499/1062
Instrument	2019039814

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3401 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058402948
Date	Nov 30, 2020
Book Page	5840/2948
Instrument	2020162039

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3401 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0060721928
Date	Oct 25, 2021
Book Page	6072/1928
Instrument	2021166103

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 18, 2019
Property Address	3401 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Document Number	0056421802
Book / Page	005642 / 001802
Instrument Date	Dec 3, 2019
Instrument	163867
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 HARLEQUIN DR ST CLOUD FL 347727828, ST CLOUD, FL 34772-7828

Mortgage

Document Number	56421805
Date	Dec 18, 2019
Book Page	005642/001805
Instrument	163868

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4.00 Homeowner's exemption Veteran's exemption	$229,125 (+5.99%)	$390,500 (+4.41%) Land $70,000 Building $320,500
2024	$4.00
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$216,183 (+3%)	$374,000 (+15.29%) Land $60,000 Building $314,000
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$209,887	$324,400 Land $55,000 Building $269,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 50

May also be available: AT&T, Xfinity.

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