3455 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3455 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,672 sqft · built 2009
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$222,000 (Mar 2019)
Tax Bill	$5,111 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`151073`

Property Details

APN / Parcel Number

Primary APN	`151073`
Alternative APN	`272630056400011720`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,672 sqft Heated Area
Gross Area	2,174 sqft
1st Floor Area	1,672 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.171 acres)
Lot Dimensions	120 ft deep x 62 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	61 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	151073
Street Address	3455 HARLEQUIN DR
City	SAINT CLOUD
State	FL
Zip	34772-7800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MALLARD POND PH 2 PB 19 PG 67-72 LOT 172
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PHASE 1 - 3
Legal Phase	2
Legal Tract	564
Legal Block	1
Legal Lot Number	172
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43207

Owner

3455 Harlequin Dr is owned and occupied by an individual who bought it in March 2019.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3455 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Mar 21, 2019	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2019 · Amount on File
Deed Sale	Mar 21, 2019 · Amount on File
Prior Sale	Nov 19, 2009 · Amount on File
Deed Document Number	2019036219
Deed Book / Page	5495 / 0477
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3455 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3455 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800

Mortgage

Document Number	0060810073
Date	Nov 5, 2021
Book Page	6081/73
Instrument	2021172683

Lender

Name	LOANCARE LLC
Type	Non-Lending Institution
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Apr 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 21, 2019
Property Address	3455 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Document Number	0054950477
Book / Page	5495 / 0477
Map Reference	MB 19 PG 67-72
Instrument Date	Mar 19, 2019
Instrument	2019036219
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NEW FRONTIER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9304 SW LET ST, 9304, BUSHNELL, FL 33513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2416 PINE CHASE CIR, SAINT CLOUD, FL 34769-6500

Mortgage

Document Number	2019036220
Date	Mar 21, 2019
Instrument	2019036220

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3455 Harlequin Dr was $5,111.

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	$5,111.00	$298,300 Land $70,000 Building $228,300	$298,300 Land $70,000 Building $228,300
2023	$4,458.00 (+11.56%)	$283,700 (+14.86%) Land $60,000 Building $223,700	$283,700 (+14.86%) Land $60,000 Building $223,700
2022	$3,996.00	$247,000 Land $55,000 Building $192,000	$247,000 Land $55,000 Building $192,000

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

Flood

FEMA maps place 3455 Harlequin Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 3455 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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