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3469 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3469 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,327 sqft · built 2007
Lot Size0.205 acres (8,930 sqft)
OwnerIndividual Name on Record
Last Sale$355,000 (Nov 2024)
Tax Bill$4,188 (2025)
Deeds & MortgagesDec 2022 Line of Credit
Apr 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN151066

Property Details

APN / Parcel Number

Primary APN151066
Alternative APN
  • 272630056400011650

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,327 sqft Heated Area
Gross Area1,909 sqft
1st Floor Area1,327 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2012
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,930 sqft (0.205 acres)
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area141 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number151066
Street Address3469 HARLEQUIN DR
CitySAINT CLOUD
StateFL
Zip34772-7800
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionMALLARD POND PH 2 PB 19 PG 67-72 LOT 165
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PHASE 1 - 3
Legal Phase2
Legal Tract564
Legal Block1
Legal Lot Number165
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43207

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3469 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 20, 2022Deed of Trust, Mortgage · Line of Credit
NAVY FCU
Apr 12, 2021Warranty Deed, Transfer · FHA Mortgage
AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 6, 2024 · Amount on Record
Deed SaleNov 6, 2024 · Amount on Record
Prior SaleApr 12, 2021 · Amount on Record
Deed Document Number2024141218
Deed Book / Page6691 / 2255
Record UpdatedJun 8, 2026

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3469 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Transaction TypeMortgage
Record UpdatedJan 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3469 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800

Mortgage

Document Number0063322587
DateDec 20, 2022
Book Page6332/2587
Instrument2022181976
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term481 Months
DueJan 1, 2063
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 12, 2021
Property Address3469 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Document Number0059322392
Book / Page5932 / 2392
Map ReferenceMB 19 PG 67-72
Instrument DateApr 6, 2021
Instrument2021054312
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyEQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,820.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10725 MYSTIC CIR APT 201, 10725, ORLANDO, FL 32836-6642

Transferred To (Grantee/Buyer)

NameVerified Name
Address3469 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
InvestorPossibly a Property Investor

Mortgage

Document Number0059322394
DateApr 12, 2021
Instrument5932/2394
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,188.00 (+20.31%) Homeowner's exemption$276,900 (+17.6%) Land $70,000 Building $206,900$276,900 (+5.49%) Land $70,000 Building $206,900
2023$3,481.00 (+3.6%) Homeowner's exemption$235,458 (+3%)$262,500 (+14.83%) Land $60,000 Building $202,500
2022$3,360.00 Homeowner's exemption$228,600 Land $55,000 Building $173,600$228,600 Land $55,000 Building $173,600

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 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 RiskHigh
above 71% of the US · above 54% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: AT&T, CenturyLink.

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