3534 Harlequin Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3534 Harlequin Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,746 sqft · built 2007
Lot Size	0.296 acres (12,894 sqft)
Owner	2 Individual Names on Record
Last Sale	$284,000 (Feb 2017)
Tax Bill	$4,177 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`151116`

Property Details

APN / Parcel Number

Primary APN	`151116`
Alternative APN	`272630056400012140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,746 sqft Heated Area
Gross Area	3,372 sqft
1st Floor Area	2,746 sqft
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	12,894 sqft (0.296 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	276 sqft
Porch	Open Porch
Porch Area	185 sqft
Deck Area	313 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	151116
Street Address	3534 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 214
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	214
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	3534 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 26, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 22, 2017	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2017 · Amount on Record
Deed Sale	Feb 22, 2017 · Amount on Record
Prior Sale	Jun 29, 2015 · Amount on Record
Deed Document Number	2017028771
Deed Book / Page	5106 / 0475
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3534 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	A AND A TITLE, A & A TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3534 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773

Mortgage

Document Number	0060712845
Date	Oct 25, 2021
Book Page	6071/2845
Instrument	2021165556

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3534 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773
Document Number	0058431190
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3534 HARLEQUIN DR ST CLOUD FL 347727773, ST CLOUD, FL 34772-7773

Mortgage

Document Number	0058431190
Date	Dec 2, 2020
Book Page	005843/001190
Instrument	163748

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Dec 1, 2047

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 22, 2017
Property Address	3534 HARLEQUIN DR, SAINT CLOUD, FL 34772-7773
Document Number	0051060475
Book / Page	005106 / 000475
Instrument Date	Feb 21, 2017
Instrument	28771
Transaction Type	Transfer
Record Updated	Apr 4, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,988.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3534 HARLEQUIN DR ST CLOUD FL 347727773, ST CLOUD, FL 34772-7773

Mortgage

Document Number	51060476
Date	Feb 22, 2017
Book Page	005106/000476
Instrument	28772

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 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	$4,177.00 (+6.15%) Homeowner's exemption	$276,257 (+5.99%)	$357,800 (-2.85%) Land $70,000 Building $287,800
2023	$3,935.00 (+3.53%) Homeowner's exemption	$260,653 (+3%)	$368,300 (+14.24%) Land $60,000 Building $308,300
2022	$3,801.00 Homeowner's exemption	$253,062	$322,400 Land $55,000 Building $267,400

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	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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