3424 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3424 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,518 sqft · built 2015
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$265,189 (Dec 2015)
Tax Bill	$3,871 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jun 2021 Mortgage
Flood Zone	Zone A (high risk)
APN	`162372`

Property Details

APN / Parcel Number

Primary APN	`162372`
Alternative APN	`272630056500014710`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,518 sqft Heated Area
Gross Area	3,355 sqft
1st Floor Area	2,518 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	401 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	162372
Street Address	3424 HARLEQUIN DR
City	SAINT CLOUD
State	FL
Zip	34772-7808
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 471
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	471
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2006
Census Tract	43207

Owner

3424 Harlequin Dr is owned and occupied by an individual who bought it in December 2015.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	3424 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2017	Deed of Trust, Mortgage · FHA Mortgage STONEGATE MORTGAGE CORP
Jun 16, 2021	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2015 · Amount on File
Deed Sale	Dec 11, 2015 · Amount on File
Prior Sale	Jan 28, 2015 · Amount on File
Deed Document Number	2015182748
Deed Book / Page	4883 / 2043
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3424 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050832633
Date	Jan 10, 2017
Book Page	5083/2633
Instrument	2017005529

Lender

Name	STONEGATE MORTGAGE CORP
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46240

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3424 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3424 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808

Mortgage

Document Number	0059821127
Date	Jun 16, 2021
Book Page	5982/1127
Instrument	2021093837

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3424 Harlequin Dr was $3,871 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$3,871.00 Homeowner's exemption	$259,197	$401,600 Land $70,000 Building $331,600
2023	$3,645.00 (+3.58%) Homeowner's exemption	$244,557 (+3%)	$384,600 (+15.5%) Land $60,000 Building $324,600
2022	$3,519.00 Homeowner's exemption	$237,434	$333,000 Land $55,000 Building $278,000

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

Flood

FEMA maps place 3424 Harlequin Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3424 Harlequin Dr is high, ranking above 76% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, CenturyLink.

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