3430 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3430 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,972 sqft · built 2014
Lot Size	0.266 acres (11,586 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,050 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2018 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`27-26-30-0565-0001-4690`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0565-0001-4690`
Alternative APNs	`263027056500014690` `162370`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,972 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,972 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,586 sqft (0.266 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3430 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 469
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 3
Legal Phase	3
Legal Tract	565
Legal Block	4690
Legal Lot Number	469
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2006
Census Tract	43207

Owner

3430 Harlequin Dr is owned and occupied by two individuals who acquired it in August 2023.

Source: Osceola County records, as of March 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3430 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 4, 2023	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC
Aug 21, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 21, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2023
Deed Sale	Aug 4, 2023
Prior Sale	Sep 8, 2014 · Amount on File
Deed Document Number	2023101657
Deed Book / Page	6452 / 1639
Prior Transfer Date	Aug 7, 2018
Prior Transfer Doc	0053882645
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2023
Property Address	3430 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number	0064521639
Book / Page	6452 / 1639
Map Reference	MB 20 PG 151-158
Instrument Date	Aug 1, 2023
Instrument	2023101657
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	HOME SOLUTION TITLE INC, HOME SOLUTIONS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,961.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3430 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3430 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808

Mortgage

Document Number	0064521641
Date	Aug 4, 2023
Instrument	6452/1641

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2018
Property Address	3430 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number	0053882645
Book / Page	005388 / 002645
Instrument Date	Aug 7, 2018
Instrument	127659
Transaction Type	Transfer
Record Updated	Sep 17, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3430 HARLEQUIN DR ST CLOUD FL 347727808, ST CLOUD, FL 34772-7808

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3430 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number	0051712263
Book / Page	005171 / 002263
Instrument Date	Jun 21, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3430 HARLEQUIN DR ST CLOUD FL 347727808, ST CLOUD, FL 34772-7808

Mortgage

Document Number	0051712263
Date	Jun 29, 2017
Book Page	005171/002263
Instrument	94737

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3430 Harlequin Dr was $6,050, up 0.3% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$6,050.00 (+0.28%)	$337,800 Land $70,000 Building $267,800	$337,800 Land $70,000 Building $267,800
2024	$6,033.00 (+114.47%)
2023	$2,813.00 (+3.76%) Homeowner's exemption	$198,354 (+3%)	$321,800 (+15.13%) Land $60,000 Building $261,800
2022	$2,711.00 Homeowner's exemption	$192,577	$279,500 Land $55,000 Building $224,500

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

Flood

FEMA maps place 3430 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 3430 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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