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3411 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3411 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,316 sqft · built 2013
Lot Size0.272 acres (11,848 sqft)
OwnerIndividual Name on Record
Tax Bill$4,352 (2025)
Deeds & MortgagesDec 2020 Mortgage
Jun 2019 Sale & Mortgage
Flood ZoneZone A (high risk)
APN27-26-30-0565-0001-2700

Property Details

APN / Parcel Number

Primary APN27-26-30-0565-0001-2700
Alternative APNs
  • 263027056500012700
  • 162276

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,316 sqft Living Area
Gross Area4,070 sqft
1st Floor Area1,446 sqft
Upper Floors Area1,870 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,848 sqft (0.272 acres)
Garage TypeAttached
Garage Area478 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area276 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3411 HARLEQUIN DR
CitySAINT CLOUD
StateFL
Zip34772-7828
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionMALLARD POND PH 3 PB 20 PGS 151-158 LOT 270
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PH 3
Legal Phase3
Legal Tract565
Legal Block2700
Legal Lot Number270
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43207

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address3411 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2020Deed of Trust, Mortgage · Conventional Mortgage
ALKAN MORTGAGE CORP
Jun 28, 2019Quit Claim Deed, Transfer · FHA Mortgage
BAY EQUITY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 28, 2019
Deed SaleJun 28, 2019
Prior SaleApr 20, 2016 · Amount on Record
Deed Document Number201984289
Deed Book / Page5549 / 1422
Prior Transfer DateJun 24, 2019
Prior Transfer Doc0055491422
Record UpdatedJun 8, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3411 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction TypeMortgage
Record UpdatedMay 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3411 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number0058421033
DateDec 1, 2020
Book Page5842/1033
Instrument2020162973
Lender
NameALKAN MORTGAGE CORP
TypeMortgage Company
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2050

June 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJun 28, 2019
Property Address3411 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Document Number0055491422
Book / Page005549 / 001422
Instrument DateJun 24, 2019
Instrument84289
Transaction TypeTransfer
Record UpdatedJul 12, 2019
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3411 HARLEQUIN DR ST CLOUD FL 347727828, ST CLOUD, FL 34772-7828

Mortgage

Document Number55491423
DateJun 28, 2019
Book Page005549/001423
Instrument84290
Lender
NameBAY EQUITY
TypeFunding / Finance Company
AddressSAUSALITO, CA 94965
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 27, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,352.00 (+3.47%) Homeowner's exemption$286,019 (+5.99%)$399,500 (-3.5%) Land $70,000 Building $329,500
2024$4,206.00 (+2.56%)
2023$4,101.00 (+3.51%) Homeowner's exemption$269,864 (+3%)$414,000 (+15.58%) Land $60,000 Building $354,000
2022$3,962.00 Homeowner's exemption$262,004$358,200 Land $55,000 Building $303,200

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 ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 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 RiskModerate
above 69% of the US · above 49% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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