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3478 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3478 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,960 sqft · built 2008
Lot Size0.201 acres (8,799 sqft)
OwnerIndividual Name on File
Last Sale$229,500 (Feb 2019)
Tax Bill$3,261 (2025)
Deeds & MortgagesFeb 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN151083

Property Details

APN / Parcel Number

Primary APN151083
Alternative APN
  • 272630056400011810

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,960 sqft Heated Area
Gross Area2,500 sqft
1st Floor Area1,960 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,799 sqft (0.201 acres)
Garage TypeFinished
Garage Area380 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area160 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number151083
Street Address3478 HARLEQUIN DR
CitySAINT CLOUD
StateFL
Zip34772-7808
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionMALLARD POND PH 2 PB 19 PG 67-72 LOT 181
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PHASE 1 - 3
Legal Phase2
Legal Tract564
Legal Block1
Legal Lot Number181
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2004
Census Tract43207

Owner

3478 Harlequin Dr is owned and occupied by an individual who bought it in February 2019.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address3478 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 21, 2019 · Amount on File
Deed SaleFeb 21, 2019 · Amount on File
Prior SaleSep 16, 2008 · Amount on File
Deed Document Number2019022297
Deed Book / Page5480 / 1370
Record UpdatedJun 8, 2026

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 21, 2019
Property Address3478 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number0054801370
Book / Page5480 / 1370
Map ReferenceMB 19 PG 67
Instrument DateFeb 11, 2019
Instrument2019022297
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyOLIVER TITLE LAW

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,606.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5046 WHITEWATER WAY, 5046, SAINT CLOUD, FL 34771-7970

Transferred To (Grantee/Buyer)

NameVerified Name
Address3478 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808

Mortgage

Document Number2019022298
DateFeb 21, 2019
Instrument2019022298
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3478 Harlequin Dr was $3,261 with a homeowner's exemption.

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$3,261.00 Homeowner's exemption$225,064$318,500 Land $70,000 Building $248,500
2023$3,065.00 (+3.69%) Homeowner's exemption$212,352 (+3%)$303,400 (+14.92%) Land $60,000 Building $243,400
2022$2,956.00 Homeowner's exemption$206,167$264,000 Land $55,000 Building $209,000

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

Flood

FEMA maps place 3478 Harlequin Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 3478 Harlequin Dr is high, ranking above 71% 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 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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