3435 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3435 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,820 sqft · built 2014
Lot Size	0.282 acres (12,284 sqft)
Owner	2 Individual Names on Record
Last Sale	$206,987 (Apr 2014)
Tax Bill	$2,848 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Feb 2021 Mortgage
Flood Zone	Zone A (high risk)
APN	`162264`

Property Details

APN / Parcel Number

Primary APN	`162264`
Alternative APN	`272630056500012580`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Heated Area
Gross Area	2,562 sqft
1st Floor Area	1,820 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,284 sqft (0.282 acres)
Garage Type	Finished
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	92 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	162264
Street Address	3435 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 258
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	258
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43207

Owner

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	2 Individual Names on Record
Mailing Address	3435 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ADDITION FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2014 · Amount on Record
Deed Sale	Apr 2, 2014 · Amount on Record
Prior Sale	Mar 18, 2014 · Amount on Record
Deed Document Number	2014046160
Deed Book / Page	4590 / 1233
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3435 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0063740593
Date	Mar 21, 2023
Book Page	6374/593
Instrument	2023032214

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2043

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3435 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0058982175
Date	Feb 25, 2021
Book Page	5898/2175
Instrument	2021027692

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

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	$2,848.00 (+6.55%) Homeowner's exemption	$201,991 (+5.99%)	$325,000 (+5.08%) Land $70,000 Building $255,000
2023	$2,673.00 (+3.81%) Homeowner's exemption	$190,582 (+3%)	$309,300 (+15.07%) Land $60,000 Building $249,300
2022	$2,575.00 Homeowner's exemption	$185,032	$268,800 Land $55,000 Building $213,800

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 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 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.

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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