3511 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3511 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,919 sqft · built 2008
Lot Size	0.189 acres (8,232 sqft)
Owner	Individual Name on Record
Last Sale	$406,300 (Jan 2023)
Tax Bill	$5,107 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0564-0001-2240`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0564-0001-2240`
Alternative APNs	`263027056400012240` `151126`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,919 sqft Living Area
Gross Area	2,552 sqft
1st Floor Area	1,919 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,232 sqft (0.189 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	220 sqft
Porch	Finished/Open Porch
Porch Area	192 sqft
Deck Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3511 HARLEQUIN DR
City	SAINT CLOUD
State	FL
Zip	34772-7774
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 224
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 2
Legal Phase	2
Legal Tract	564
Legal Block	2240
Legal Lot Number	224
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 May 27, 2026

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	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · VA Mortgage IMPERIAL LENDING LLC
Dec 1, 2023	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Jan 4, 2023	Warranty Deed, Transfer · VA Mortgage AMCAP MORTGAGE LTD
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 7, 2018	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2023 · Amount on Record
Deed Sale	Jan 4, 2023 · Amount on Record
Prior Sale	Oct 23, 2008 · Amount on Record
Deed Document Number	2023973
Deed Book / Page	6339 / 2764
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 18, 2026
Property Address	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774
Document Number	0000065542
Book / Page	6973 / 1216
Instrument Date	May 11, 2026
Instrument	202665542
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	UNITED WHOLESALE MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774

Mortgage

Document Number	0000065542,
Date	May 18, 2026
Book Page	6973/1216
Instrument	202665542

Lender

Name	IMPERIAL LENDING LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774

Mortgage

Document Number	0065121584
Date	Dec 1, 2023
Book Page	6512/1584
Instrument	2023156903

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2023
Property Address	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774
Document Number	0063392764
Book / Page	6339 / 2764
Map Reference	MB 19 PG 67-72
Instrument Date	Dec 30, 2022
Instrument	2023000973
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	BROKERS TITLE OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,844.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2416 SWEETWATER BLVD, SAINT CLOUD, FL 34772-8646

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774

Mortgage

Document Number	0063392765
Date	Jan 4, 2023
Book Page	6339/2765
Instrument	2023000974

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774

Mortgage

Document Number	0061052157
Date	Dec 13, 2021
Book Page	6105/2157
Instrument	2021191078

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3511 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774
Document Number	0053812661
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 HARLEQUIN DR ST CLOUD FL 347727774, ST CLOUD, FL 34772-7774

Mortgage

Document Number	0053812661
Date	Aug 9, 2018
Book Page	005381/002661
Instrument	121466

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

Interest

Rate Type	Fixed Rate
Rate	3.87%

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	$5,107.00 (+6.75%) Homeowner's exemption	$328,200 (+4.92%) Land $70,000 Building $258,200	$328,200 (+4.92%) Land $70,000 Building $258,200
2023	$4,784.00 (+178.14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$312,800 (+127.35%) Land $60,000 Building $252,800	$312,800 (+14.08%) Land $60,000 Building $252,800
2022	$1,720.00 Homeowner's exemption	$137,584	$274,200 Land $55,000 Building $219,200

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	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 50

May also be available: AT&T, Xfinity.

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