4602 Harvest Row Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4602 Harvest Row Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,026 sqft · built 2015
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on File
Last Sale	$394,000 (Apr 2023)
Tax Bill	$8,069 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0157-0001-0560`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0157-0001-0560`
Alternative APN	`263119015700010560`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,026 sqft Living Area
Gross Area	2,735 sqft
1st Floor Area	2,026 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4602 HARVEST ROW LN
City	SAINT CLOUD
State	FL
Zip	34772-8928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 1 PB 22 PG 75-83 LOT 56
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 1
Legal Phase	1
Legal Tract	157
Legal Block	560
Legal Lot Number	56
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1005
Census Tract	43304

Owner

4602 Harvest Row Ln is owned by two individuals who bought it in April 2023.

Source: Osceola County records, as of October 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18 WILLET AVE, HICKSVILLE, NY 11801-1633
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Apr 14, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2023 · Amount on File
Deed Sale	Apr 14, 2023 · Amount on File
Prior Sale	Dec 3, 2015 · Amount on File
Deed Document Number	202343494
Deed Book / Page	6388 / 355
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4602 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4602 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928

Mortgage

Document Number	0059542619
Date	May 10, 2021
Book Page	5954/2619
Instrument	2021071761

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2023
Property Address	4602 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928
Document Number	0063880355
Book / Page	6388 / 355
Map Reference	MB 22 PG 75-83
Instrument Date	Apr 12, 2023
Instrument	2023043494
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,758.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4602 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 WILLET AVE, HICKSVILLE, NY 11801-1633

Mortgage

Document Number	0006388357
Date	Apr 14, 2023
Instrument	6388/357

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4602 Harvest Row Ln was $8,069.

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	$8,069.00	$343,700 Land $75,600 Building $268,100	$343,700 Land $75,600 Building $268,100
2023	$4,787.00 (+2.33%) Homeowner's exemption	$213,639 (+3%)	$345,900 (+15.88%) Land $64,800 Building $281,100
2022	$4,678.00 Homeowner's exemption	$207,417	$298,500 Land $59,400 Building $239,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4602 Harvest Row Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 4602 Harvest Row Ln is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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