Osceola County property record for 3409 Harlequin Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,820 sqft · built 2013 |
| Lot Size | 0.217 acres (9,453 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $268,000 (Dec 2020) |
| Tax Bill | $4,453 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 162277 |
| Primary APN | 162277 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,820 sqft Heated Area |
| Gross Area | 2,472 sqft |
| 1st Floor Area | 1,820 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,453 sqft (0.217 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 212 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 162277 |
|---|---|
| Street Address | 3409 HARLEQUIN DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MALLARD POND PH 3 PB 20 PGS 151-158 LOT 271 |
| 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 | 271 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records · APN 162277
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 3409 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 09, 2023 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Mar 02, 2022 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Dec 22, 2020 | Warranty Deed, Transfer · FHA Mortgage NMB HM LNS INC |
| Jan 04, 2017 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on Record |
| Deed Sale | Dec 22, 2020 · Amount on Record |
| Prior Sale | Jan 04, 2017 · Amount on Record |
| Deed Document Number | 2020173854 |
| Deed Book / Page | 5856 / 1146 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3409 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3409 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Document Number | 0063560763 |
|---|---|
| Date | Feb 09, 2023 |
| Book Page | 6356/763 |
| Instrument | 2023016115 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3409 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3409 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Document Number | 0061612194 |
|---|---|
| Date | Mar 02, 2022 |
| Book Page | 6161/2194 |
| Instrument | 2022033459 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 22, 2020 |
| Property Address | 3409 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Document Number | 0058561146 |
| Book / Page | 005856 / 001146 |
| Instrument Date | Dec 10, 2020 |
| Instrument | 173854 |
| Transaction Type | Transfer |
| Record Updated | Jan 08, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,876.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3409 HARLEQUIN DR ST CLOUD FL 347727828, ST CLOUD, FL 34772-7828 |
| Document Number | 58561148 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 005856/001148 |
| Instrument | 173855 |
| Name | NMB HM LNS INC |
|---|---|
| Address | LEBANON, NJ 00883 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 21, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 04, 2017 |
| Property Address | 3409 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828 |
| Document Number | 0050801093 |
| Book / Page | 005080 / 001093 |
| Instrument Date | Dec 28, 2016 |
| Instrument | 1531 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2017 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,498.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3409 HARLEQUIN DR ST CLOUD FL 347727828, ST CLOUD, FL 34772-7828 |
| Document Number | 50801096, |
|---|---|
| Date | Jan 04, 2017 |
| Book Page | 005080/001096 |
| Instrument | 1532 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 03, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,453.00 (+6.1%) Homeowner's exemption | $291,692 (+5.99%) | $323,100 (+5%) Land $70,000 Building $253,100 |
| 2023 | $4,197.00 (+3.48%) Homeowner's exemption | $275,216 (+3%) | $307,700 (+15.16%) Land $60,000 Building $247,700 |
| 2022 | $4,056.00 Homeowner's exemption | $267,200 Land $55,000 Building $212,200 | $267,200 Land $55,000 Building $212,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 326 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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