3484 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3484 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,960 sqft · built 2007
Lot Size	0.209 acres (9,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$398,000 (Jun 2023)
Tax Bill	$2,233 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0564-0001-1840`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0564-0001-1840`
Alternative APNs	`263027056400011840` `151086`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,960 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,960 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,104 sqft (0.209 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3484 HARLEQUIN DR
City	SAINT CLOUD
State	FL
Zip	34772-7808
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 184
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 2
Legal Phase	2
Legal Tract	564
Legal Block	1840
Legal Lot Number	184
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43207

Owner

Source: Osceola County records, as of November 26, 2025

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	3484 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 1, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Oct 24, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Feb 21, 2019	Warranty Deed, Transfer QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2023 · Amount on Record
Deed Sale	Jun 22, 2023 · Amount on Record
Prior Sale	Jun 1, 2021 · Amount on Record
Deed Document Number	202381026
Deed Book / Page	6429 / 971
Prior Transfer Date	Sep 17, 2012
Prior Transfer Doc	0043340043
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2023
Property Address	3484 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number	0064290971
Book / Page	6429 / 971
Map Reference	MB 19 PG 67
Instrument Date	Jun 20, 2023
Instrument	2023081026
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,786.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 RIDGEWOOD RD, CLIFTON, NJ 07012-1438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3484 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808

Mortgage

Document Number	0006429973
Date	Jun 22, 2023
Instrument	6429/973

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 1, 2021
Property Address	3484 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number	0059701932
Book / Page	5970 / 1932
Map Reference	MB 19 PG 67
Instrument Date	May 21, 2021
Instrument	2021084793
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4727 PINE LAKE DR, 4727, SAINT CLOUD, FL 34769-1602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3484 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808

Mortgage

Document Number	59701933
Date	Jun 1, 2021
Instrument	5970/1933

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3484 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number	0056181034
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3484 HARLEQUIN DR ST CLOUD FL 347727808, ST CLOUD, FL 34772-7808

Mortgage

Document Number	0056181034
Date	Nov 5, 2019
Book Page	005618/001034
Instrument	143393

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2019
Property Address	3484 HARLEQUIN DR, SAINT CLOUD, FL 34772-7808
Document Number	0054802018
Book / Page	005480 / 002018
Instrument Date	Feb 11, 2019
Instrument	22512
Transaction Type	Transfer
Record Updated	Mar 15, 2019
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$805.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3484 HARLEQUIN DR ST CLOUD FL 347727808, ST CLOUD, FL 34772-7808

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	$2,233.00 (+4.01%) Homeowner's exemption Senior Citizen's exemption	$179,321 (-37.42%)	$336,000 (+4.93%) Land $70,000 Building $266,000
2024	$2,147.00 (-51.22%)
2023	$4,401.00 (+3.46%) Homeowner's exemption	$286,546 (+3%)	$320,200 (+15.1%) Land $60,000 Building $260,200
2022	$4,254.00 Homeowner's exemption	$278,200 Land $55,000 Building $223,200	$278,200 Land $55,000 Building $223,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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