3448 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3448 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,805 sqft · built 2021
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jul 2021)
Tax Bill	$5,941 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0565-0001-4640`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0565-0001-4640`
Alternative APNs	`263027056500014640` `162365`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,805 sqft Living Area
Gross Area	2,407 sqft
1st Floor Area	1,805 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3448 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 464
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 3
Legal Phase	3
Legal Tract	FD-1,
Legal Block	4640
Legal Lot Number	464
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2006
Census Tract	43207

Owner

Source: Osceola County records, as of November 26, 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	3448 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage VAN DYK MORTGAGE CORP
Jul 7, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	Oct 19, 2016 · Amount on Record
Deed Document Number	2021105166
Deed Book / Page	5996 / 2111
Prior Transfer Date	Oct 18, 2016
Prior Transfer Doc	0050420340
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2021
Property Address	3448 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number	0059962111
Book / Page	5996 / 2111
Map Reference	MB 20 PG 151
Instrument Date	Jul 1, 2021
Instrument	2021105166
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1627 E VINE ST, KISSIMMEE, FL 34744-3704

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3448 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808

Mortgage

Document Number	0059962112
Date	Jul 7, 2021
Instrument	5996/2112

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2021
Property Address	3448 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number	0059962110
Book / Page	5996 / 2110
Map Reference	MB 20 PG 151
Instrument Date	Jun 22, 2021
Instrument	2021105165
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1627 E VINE ST, KISSIMMEE, FL 34744-3704

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 ORANGE AVE, SAINT CLOUD, FL 34769-2550

Tax Assessment & Valuation

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	$5,941.00 (+0.29%)	$331,700 (+5.07%) Land $70,000 Building $261,700	$331,700 (+5.07%) Land $70,000 Building $261,700
2024	$5,924.00 (+7.44%)
2023	$5,514.00 (+11.46%)	$315,700 (+15.09%) Land $60,000 Building $255,700	$315,700 (+15.09%) Land $60,000 Building $255,700
2022	$4,947.00	$274,300 Land $55,000 Building $219,300	$274,300 Land $55,000 Building $219,300

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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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