3477 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3477 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,960 sqft · built 2007
Lot Size	0.253 acres (11,064 sqft)
Owner	Individual Name on Record
Tax Bill	$3,368 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage May 2019 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`151062`

Property Details

APN / Parcel Number

Primary APN	`151062`
Alternative APN	`272630056400011610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,960 sqft Heated Area
Gross Area	2,376 sqft
1st Floor Area	1,960 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,064 sqft (0.253 acres)
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	36 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	151062
Street Address	3477 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 161
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	161
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
Mailing Address	3477 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MCCOY FCU
May 31, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
May 31, 2019	Deed of Trust, Mortgage CMG FIN'L
May 31, 2019	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2022
Deed Sale	Nov 30, 2022
Prior Sale	Feb 10, 2016 · Amount on Record
Deed Document Number	0006322319
Deed Book / Page	5533 / 1604
Prior Transfer Date	May 31, 2019
Prior Transfer Doc	2019070513
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3477 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3477 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800

Mortgage

Document Number	0063220314
Date	Nov 30, 2022
Book Page	6322/314
Instrument	2022172117

Lender

Name	MCCOY FCU
Type	Credit Union
Address	ORLANDO, FL 32809

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 25, 2042

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3477 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055331623
Date	May 31, 2019
Book Page	5533/1623
Instrument	2019070517

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3477 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Document Number	0055331607
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3477 HARLEQUIN DR ST CLOUD FL 347727800, ST CLOUD, FL 34772-7800

Mortgage

Document Number	0055331607
Date	May 31, 2019
Book Page	005533/001607
Instrument	70516

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 30, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 31, 2019
Property Address	3477 HARLEQUIN DR, SAINT CLOUD, FL 34772-7800
Document Number	0055331604
Book / Page	005533 / 001604
Instrument Date	May 31, 2019
Instrument	70513
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,883.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3477 HARLEQUIN DR ST CLOUD FL 347727800, ST CLOUD, FL 34772-7800

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	$3,368.00 (+6.35%) Homeowner's exemption	$231,066 (+5.99%)	$322,100 (+4.92%) Land $70,000 Building $252,100
2023	$3,167.00 (+3.67%) Homeowner's exemption	$218,014 (+3%)	$307,000 (+14.77%) Land $60,000 Building $247,000
2022	$3,055.00 Homeowner's exemption	$211,665	$267,500 Land $55,000 Building $212,500

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
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 71% of the US · above 54% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct 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 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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