Osceola County property record for 3407 Harlequin Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,256 sqft · built 2013 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $246,844 (Aug 2013) |
| Tax Bill | $4,556 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Jun 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 162278 |
| Primary APN | 162278 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,256 sqft Heated Area |
| Gross Area | 4,220 sqft |
| 1st Floor Area | 1,446 sqft |
| Upper Floors Area | 1,810 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,625 sqft (0.198 acres) |
| Garage Type | Finished |
| Garage Area | 688 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 276 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 162278 |
|---|---|
| Street Address | 3407 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 272 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PHASE 1 - 3 |
| Legal Phase | 3 |
| Legal Tract | 565 |
| Legal Block | 1 |
| Legal Lot Number | 272 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 3407 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Jun 20, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARTNERS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2013 · Amount on Record |
| Deed Sale | Aug 9, 2013 · Amount on Record |
| Prior Sale | Feb 26, 2013 · Amount on Record |
| Deed Document Number | 2013125746 |
| Deed Book / Page | 4485 / 2062 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3407 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3407 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Document Number | 0068732223 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 6873/2223 |
| Instrument | 2025135195 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 20, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3407 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2023 |
| Title Company | ALOMA TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3407 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Document Number | 0064272612 |
|---|---|
| Date | Jun 20, 2023 |
| Book Page | 6427/2612 |
| Instrument | 2023079776 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
Source: Osceola County assessment roll, as of July 1, 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 | $4,556.00 (+6.08%) Homeowner's exemption | $297,436 (+5.99%) | $406,200 (-3.56%) Land $70,000 Building $336,200 |
| 2023 | $4,295.00 Homeowner's exemption | $280,635 | $421,200 Land $60,000 Building $361,200 |
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 A, within 100 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.
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