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3523 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3523 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,104 sqft · built 2009
Lot Size0.171 acres (7,492 sqft)
OwnerIndividual Name on Record
Last Sale$251,000 (May 2020)
Tax Bill$3,424 (2025)
Deeds & MortgagesMay 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN151121

Property Details

APN / Parcel Number

Primary APN151121
Alternative APN
  • 272630056400012190

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,104 sqft Heated Area
Gross Area2,575 sqft
1st Floor Area975 sqft
Upper Floors Area1,129 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Exterior MaterialVinyl
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.171 acres)
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area30 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number151121
Street Address3523 HARLEQUIN DR
CitySAINT CLOUD
StateFL
Zip34772-7774
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionMALLARD POND PH 2 PB 19 PG 67-72 LOT 219
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PHASE 1 - 3
Legal Phase2
Legal Tract564
Legal Block1
Legal Lot Number219
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2001
Census Tract43207

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 RecordIndividual Name on Record
Mailing Address3523 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 20, 2020 · Amount on Record
Deed SaleMay 20, 2020 · Amount on Record
Prior SaleOct 2, 2015 · Amount on Record
Deed Document Number2020066478
Deed Book / Page5725 / 648
Record UpdatedJun 8, 2026

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 20, 2020
Property Address3523 HARLEQUIN DR, SAINT CLOUD, FL 34772-7774
Document Number0057250648
Book / Page5725 / 648
Map ReferenceMB 19 PG 67-72
Instrument DateMay 18, 2020
Instrument2020066478
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyCHAMPION TITLE & CLOSING

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,757.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3523 HARLEQUIN DR, 3523, SAINT CLOUD, FL 34772-7774

Transferred To (Grantee/Buyer)

NameVerified Name
Address4770 NATHAN HALE BLVD, SAINT CLOUD, FL 34769-1818

Mortgage

Document Number0005725650
DateMay 20, 2020
Instrument5725/650
Lender
NameFLAGSTAR BANK FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2050

Tax Assessment & Valuation

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$3,424.00 (+6.34%) Homeowner's exemption$234,214 (+5.99%)$327,400 (+4.87%) Land $70,000 Building $257,400
2023$3,220.00 (+3.64%) Homeowner's exemption$220,985 (+3%)$312,200 (+14.99%) Land $60,000 Building $252,200
2022$3,107.00 Homeowner's exemption$214,549$271,500 Land $55,000 Building $216,500

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderMax 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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