3532 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3532 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,166 sqft · built 2008
Lot Size	0.178 acres (7,753 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Jul 2022)
Tax Bill	$5,346 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0564-0001-2130`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0564-0001-2130`
Alternative APNs	`263027056400012130` `151115`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,166 sqft Living Area
Gross Area	2,637 sqft
1st Floor Area	2,166 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,753 sqft (0.178 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Metal Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3532 HARLEQUIN DR
City	SAINT CLOUD
State	FL
Zip	34772-7773
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 213
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 2
Legal Phase	2
Legal Tract	564
Legal Block	2130
Legal Lot Number	213
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2003
Census Tract	43207

Owner

Source: Osceola County assessment roll, 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 File
Mailing Address	3532 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 1, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jul 1, 2022	Quit Claim Deed, Transfer SMART TITLE SERVICES, SMARTTITLE SERVICES

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Jul 16, 2008 · Amount on Record
Deed Document Number	2022103066
Deed Book / Page	6244 / 1492
Prior Transfer Date	Jun 30, 2022
Prior Transfer Doc	0062441492
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3532 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3532 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773

Mortgage

Document Number	0065752933
Date	Apr 3, 2024
Book Page	6575/2933
Instrument	2024042107

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2044

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3532 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3532 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773

Mortgage

Document Number	0062930595
Date	Oct 3, 2022
Book Page	6293/595
Instrument	2022146446

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2022
Property Address	3532 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773
Document Number	0062441492
Book / Page	6244 / 1492
Map Reference	MB 19 PG 67-72
Instrument Date	Jun 30, 2022
Instrument	2022103066
Transaction Type	Transfer
Record Updated	Jul 14, 2022
Title Company	SMART TITLE SERVICES, SMARTTITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1414 S DAIRY ASHFORD RD # RD707, 1414, HOUSTON, TX 77077-2351

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3532 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773

Mortgage

Document Number	0062441494
Date	Jul 1, 2022
Instrument	6244/1494

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2022
Property Address	3532 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773
Document Number	0062441488
Book / Page	6244 / 1488
Map Reference	MB 19 PG 67-72
Instrument Date	Jun 24, 2022
Instrument	2022103063
Transaction Type	Transfer
Record Updated	Jul 14, 2022
Title Company	SMART TITLE SERVICES, SMARTTITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2456 PEACE CIR, 2456, KISSIMMEE, FL 34758-1906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1414 SOUTH DAIRY ASHORD ROAD #707 # 707, 707, HOUSTON, TX 77077-2356

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	$5,346.00 (+4.56%) Homeowner's exemption	$341,600 (+7.02%) Land $70,000 Building $271,600	$341,600 (+7.02%) Land $70,000 Building $271,600
2024	$5,113.00 (+2.49%)
2023	$4,989.00 (+213.97%) Homeowner's exemption	$319,200 (+144.91%) Land $60,000 Building $259,200	$319,200 (+15.19%) Land $60,000 Building $259,200
2022	$1,589.00 Homeowner's exemption	$130,332	$277,100 Land $55,000 Building $222,100

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

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)
Lumen Technologies 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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