3441 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3441 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	0.171 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$268,000 (Jul 2020)
Tax Bill	$3,465 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`162261`

Property Details

APN / Parcel Number

Primary APN	`162261`
Alternative APN	`272630056500012550`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,972 sqft Heated Area
Gross Area	2,520 sqft
1st Floor Area	1,972 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	7,492 sqft (0.171 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	162261
Street Address	3441 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 255
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	255
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3441 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 19, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Jul 22, 2020	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Mar 16, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2020 · Amount on Record
Deed Sale	Jul 22, 2020 · Amount on Record
Prior Sale	Mar 16, 2020 · Amount on Record
Deed Document Number	2020095521
Deed Book / Page	5759 / 1551
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3441 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3441 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0061371295
Date	Jan 26, 2022
Book Page	6137/1295
Instrument	2022014159

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Aug 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3441 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	Apr 15, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3441 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0059152667
Date	Mar 19, 2021
Book Page	5915/2667
Instrument	2021041005

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Aug 1, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 22, 2020
Property Address	3441 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Document Number	0057591551
Book / Page	5759 / 1551
Map Reference	MB 20 PG 151
Instrument Date	Jul 7, 2020
Instrument	2020095521
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,876.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18124 CORALWOOD LN, 18124, GROVELAND, FL 34736-9098

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3441 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0057591553
Date	Jul 22, 2020
Instrument	5759/1553

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

March 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2020
Property Address	3441 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Document Number	0056922364
Book / Page	005692 / 002364
Instrument Date	Mar 3, 2020
Instrument	37514
Transaction Type	Foreclosure
Record Updated	May 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,425.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18124 CORALWOOD LN GROVELAND FL 347369098, GROVELAND, FL 34736-9098

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	$3,465.00 (+6.32%) Homeowner's exemption	$236,464 (+5.99%)	$330,000 (+5.03%) Land $70,000 Building $260,000
2023	$3,259.00 (+3.66%) Homeowner's exemption	$223,107 (+3%)	$314,200 (+15.09%) Land $60,000 Building $254,200
2022	$3,144.00 Homeowner's exemption	$216,609	$273,000 Land $55,000 Building $218,000

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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