3491 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3491 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	0.191 acres (8,320 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Jan 2015)
Tax Bill	$2,286 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`151136`

Property Details

APN / Parcel Number

Primary APN	`151136`
Alternative APN	`272630056400012340`

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	8,320 sqft (0.191 acres)
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	36 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	151136
Street Address	3491 HARLEQUIN DR
City	SAINT CLOUD
State	FL
Zip	34772-7799
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 234
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	234
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
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
Co-owner	Co-owner on Record
Mailing Address	3491 HARLEQUIN DR, SAINT CLOUD, FL 34772-7799
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Dec 20, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Nov 20, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST DIRECT LNDG
Feb 10, 2017	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2015 · Amount on Record
Deed Sale	Jan 8, 2015 · Amount on Record
Prior Sale	Sep 16, 2013
Deed Document Number	2015003175
Deed Book / Page	4718 / 2985
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3491 HARLEQUIN DR, SAINT CLOUD, FL 34772-7799
Transaction Type	Mortgage
Record Updated	Jan 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3491 HARLEQUIN DR, SAINT CLOUD, FL 34772-7799
Investor	Possibly a Property Investor

Mortgage

Document Number	0065251595
Date	Dec 27, 2023
Book Page	6525/1595
Instrument	2023167971

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2034

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3491 HARLEQUIN DR, SAINT CLOUD, FL 34772-7799
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3491 HARLEQUIN DR, SAINT CLOUD, FL 34772-7799

Mortgage

Document Number	0061111970
Date	Dec 20, 2021
Book Page	6111/1970
Instrument	2021195964

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3491 HARLEQUIN DR, SAINT CLOUD, FL 34772-7799
Document Number	0052500734
Book / Page	005250 / 000734
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3491 HARLEQUIN DR ST CLOUD FL 347727799, ST CLOUD, FL 34772-7799

Mortgage

Document Number	0052500734
Date	Dec 8, 2017
Book Page	005250/000734
Instrument	174225

Lender

Name	FIRST DIRECT LNDG
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3491 HARLEQUIN DR, SAINT CLOUD, FL 34772-7799
Document Number	0051042334
Book / Page	005104 / 002334
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Mar 17, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3491 HARLEQUIN DR ST CLOUD FL 347727799, ST CLOUD, FL 34772-7799

Mortgage

Document Number	0051042334
Date	Feb 20, 2017
Book Page	005104/002334
Instrument	27368

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2047

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	$2,286.00 (+7.63%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$187,267 (+5.99%)	$315,400 (+5.13%) Land $70,000 Building $245,400
2023	$2,124.00 (+0.47%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$176,690 (+3%)	$300,000 (+14.94%) Land $60,000 Building $240,000
2022	$2,114.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$171,544	$261,000 Land $55,000 Building $206,000

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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