Osceola County property record for 3403 Harlequin Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,972 sqft · built 2013 |
| Lot Size | 0.203 acres (8,842 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $460,000 (Mar 2024) |
| Tax Bill | $5,586 (2025) |
| Deeds & Mortgages | Mar 2024 Second Mortgage Mar 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-26-30-0565-0001-2740 |
| Primary APN | 27-26-30-0565-0001-2740 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| Gross Area | 2,740 sqft |
| 1st Floor Area | 1,972 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,842 sqft (0.203 acres) |
| Garage Type | Attached |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 200 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 148 sqft |
| Deck Area | 620 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3403 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 274 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 3 |
| Legal Phase | 3 |
| Legal Tract | 565 |
| Legal Block | 2740 |
| Legal Lot Number | 274 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records, as of August 24, 2026
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 | 3403 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Mar 18, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC |
| Mar 14, 2024 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2024 · Amount on Record |
| Deed Sale | Mar 14, 2024 · Amount on Record |
| Prior Sale | Sep 8, 2014 · Amount on Record |
| Deed Document Number | 202433760 |
| Deed Book / Page | 6565 / 2061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3403 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 2826 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984 |
| Document Number | 0065661148 |
|---|---|
| Date | Mar 18, 2024 |
| Book Page | 6566/1148 |
| Instrument | 2024034310 |
| Name | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC |
|---|---|
| Address | 700 E GATE DR STE 400, MOUNT LAUREL, NJ 08054 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3403 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 2826 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984 |
| Document Number | 0065652063 |
|---|---|
| Date | Mar 14, 2024 |
| Book Page | 6565/2063 |
| Instrument | 2024033761 |
| Name | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC |
|---|---|
| Address | 700 E GATE DR STE 400, MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,586.00 (+139,55%) | $355,000 (+76.07%) Land $70,000 Building $285,000 | $355,000 (+6.13%) Land $70,000 Building $285,000 |
| 2023 | $4.00 (-99.51%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $201,624 (+3%) | $334,500 (+14.12%) Land $60,000 Building $274,500 |
| 2022 | $823.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $195,752 | $293,100 Land $55,000 Building $238,100 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures