4609 Harvest Row Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4609 Harvest Row Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 2014
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$244,000 (Oct 2019)
Tax Bill	$5,264 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`192631015700010500`

Property Details

APN / Parcel Number

Primary APN	`192631015700010500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,894 sqft Heated Area
Gross Area	2,408 sqft
1st Floor Area	1,894 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
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	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4609 HARVEST ROW LN
City	SAINT CLOUD
State	FL
Zip	34772-8929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 1 PB 22 PG 75-83 LOT 50
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	50
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43304

Owner

4609 Harvest Row Ln is owned and occupied by an individual who bought it in October 2019.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	4609 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 2, 2019	Warranty Deed, Transfer · FHA Mortgage FIDELITY FUNDING MORTGAGE CORP
Mar 26, 2018	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2019 · Amount on File
Deed Sale	Oct 2, 2019 · Amount on File
Prior Sale	Mar 26, 2018 · Amount on File
Deed Document Number	2019127008
Deed Book / Page	5598 / 2560
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4609 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4609 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929

Mortgage

Document Number	0061271365
Date	Jan 12, 2022
Book Page	6127/1365
Instrument	2022006050

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 1, 2036

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 2, 2019
Property Address	4609 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Document Number	0055982560
Book / Page	5598 / 2560
Map Reference	MB 22 PG 75-83
Instrument Date	Sep 20, 2019
Instrument	2019127008
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	GOLD STAR TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6839 GOLDFLOWER AVE, 6839, HARMONY, FL 34773-6088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4609 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929

Mortgage

Document Number	0055982562
Date	Oct 2, 2019
Instrument	5598/2562

Lender

Name	FIDELITY FUNDING MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 26, 2018
Property Address	4609 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Document Number	0053061557
Book / Page	5306 / 1557
Map Reference	MB22 PG75-83
Instrument Date	Mar 23, 2018
Instrument	2018047948
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,644.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2082 KEEL WAY, 2082, KISSIMMEE, FL 34744-5930

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	4609 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929

Mortgage

Document Number	2018047949
Date	Mar 26, 2018
Instrument	2018047949

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4609 Harvest Row Ln was $5,264 with a homeowner's exemption.

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	$5,264.00 Homeowner's exemption	$230,081	$322,700 Land $70,000 Building $252,700
2023	$4,849.00 (+2.34%) Homeowner's exemption	$217,085 (+3%)	$324,900 (+15.75%) Land $60,000 Building $264,900
2022	$4,738.00 Homeowner's exemption	$210,763	$280,700 Land $55,000 Building $225,700

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

Flood

FEMA maps place 4609 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 4609 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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