Osceola County property record for 4608 Harvest Row Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,707 sqft · built 2015 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Nov 2020) |
| Tax Bill | $5,438 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631015700010590 |
| Primary APN | 192631015700010590 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,707 sqft Heated Area |
| Gross Area | 2,429 sqft |
| 1st Floor Area | 1,707 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 281 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4608 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 59 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | GRAMERCY FARMS PHS 1 3 &3A |
| Legal Phase | 1 |
| Legal Tract | 157 |
| Legal Block | 1 |
| Legal Lot Number | 59 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 43304 |
4608 Harvest Row Ln is owned and occupied by an individual who bought it in November 2020.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4608 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 23, 2020 · Amount on File |
| Deed Sale | Nov 23, 2020 · Amount on File |
| Prior Sale | Nov 3, 2015 · Amount on File |
| Deed Document Number | 2020160146 |
| Deed Book / Page | 5838 / 1159 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 23, 2020 |
| Property Address | 4608 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928 |
| Document Number | 0058381159 |
| Book / Page | 5838 / 1159 |
| Map Reference | MB 22 PG 75-83 |
| Instrument Date | Nov 20, 2020 |
| Instrument | 2020160146 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4328 PALLADIAN WAY, 4328, MELBOURNE, FL 32904-1213 |
| Name | Verified Name |
|---|---|
| Address | 4608 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928 |
| Document Number | 0058381160 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 5838/1160 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 4608 Harvest Row Ln was $5,438 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,438.00 Homeowner's exemption | $239,836 | $317,100 Land $75,600 Building $241,500 |
| 2023 | $5,015.00 (+2.37%) Homeowner's exemption | $226,289 (+3%) | $318,100 (+15.63%) Land $64,800 Building $253,300 |
| 2022 | $4,899.00 Homeowner's exemption | $219,699 | $275,100 Land $59,400 Building $215,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4608 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 risk around 4608 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.
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 |
| 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.
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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