3449 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3449 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,518 sqft · built 2014
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,000 (Mar 2023)
Tax Bill	$7,091 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0565-0001-2510`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0565-0001-2510`
Alternative APNs	`263027056500012510` `162257`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,518 sqft Living Area
Gross Area	3,115 sqft
1st Floor Area	2,518 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	161 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3449 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 251
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 3
Legal Phase	3
Legal Tract	565
Legal Block	2510
Legal Lot Number	251
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 June 10, 2026

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	507 NEPTUNE BAY CIR, 6, SAINT CLOUD, FL 34769-7021
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Apr 9, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 5, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 27, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 11, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 3, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2023 · Amount on Record
Deed Sale	Mar 27, 2023 · Amount on Record
Prior Sale	Oct 11, 2022 · Amount on Record
Deed Document Number	202334255
Deed Book / Page	6376 / 2002
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 27, 2026
Property Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Document Number	0000069404
Book / Page	6977 / 2286
Instrument Date	May 8, 2026
Instrument	202669404
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0000069404,
Date	May 27, 2026
Book Page	6977/2286
Instrument	202669404

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Apr 1, 2053

Interest

Rate	6.37%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0065791728
Date	Apr 9, 2024
Book Page	6579/1728
Instrument	2024045299

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Apr 1, 2053

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0064851760
Date	Oct 5, 2023
Book Page	6485/1760
Instrument	2023131551

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Apr 1, 2053

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 27, 2023
Property Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Document Number	0063762002
Book / Page	6376 / 2002
Map Reference	MB 20 PG 151-158
Instrument Date	Mar 23, 2023
Instrument	2023034255
Transaction Type	Transfer
Record Updated	Apr 12, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,863.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1831 VALLEY FORGE DR, SAINT CLOUD, FL 34769-1836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 NEPTUNE BAY CIR UNIT 6, 6, SAINT CLOUD, FL 34769-7021

Mortgage

Document Number	0063762004
Date	Mar 27, 2023
Instrument	6376/2004

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 11, 2022
Property Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Document Number	0062972186
Book / Page	6297 / 2186
Map Reference	MB 20 PG 151-158
Instrument Date	Oct 10, 2022
Instrument	2022150684
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,891.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5470 DAYFLOWER CIR, 5470, TALLAHASSEE, FL 32311-9380

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828

Mortgage

Document Number	0062972188
Date	Oct 11, 2022
Instrument	6297/2188

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 3, 2017
Property Address	3449 HARLEQUIN DR, SAINT CLOUD, FL 34772-7828
Document Number	0051112106
Book / Page	005111 / 002106
Instrument Date	Feb 28, 2017
Instrument	34407
Transaction Type	Transfer
Record Updated	Apr 10, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,721.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3449 HARLEQUIN DR ST CLOUD FL 347727828, ST CLOUD, FL 34772-7828

Mortgage

Document Number	51112108
Date	Mar 3, 2017
Book Page	005111/002108
Instrument	34408

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2047

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	$7,091.00 (+177,175%)	$396,000 (+17.1%) Land $70,000 Building $326,000	$396,000 (+4.54%) Land $70,000 Building $326,000
2023	$4.00 (-99.89%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$338,171 (+38.46%)	$378,800 (+15.28%) Land $60,000 Building $318,800
2022	$3,642.00 Homeowner's exemption	$244,243	$328,600 Land $55,000 Building $273,600

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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