4618 Harvest Row Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4618 Harvest Row Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,707 sqft · built 2015
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$232,000 (Jul 2017)
Tax Bill	$5,132 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631015700010640`

Property Details

APN / Parcel Number

Primary APN	`192631015700010640`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,707 sqft Heated Area
Gross Area	2,229 sqft
1st Floor Area	1,707 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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	81 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4618 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 64
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	64
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1005
Census Tract	43304

Owner

4618 Harvest Row Ln is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	4618 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928
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
Feb 1, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 5, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2017 · Amount on File
Deed Sale	Jul 5, 2017 · Amount on File
Prior Sale	Jun 1, 2015 · Amount on File
Deed Document Number	2017097679
Deed Book / Page	5174 / 1098
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4618 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058810032
Date	Feb 1, 2021
Book Page	5881/32
Instrument	2021013752

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Aug 1, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 5, 2017
Property Address	4618 HARVEST ROW LN, SAINT CLOUD, FL 34772-8928
Document Number	0051741098
Book / Page	005174 / 001098
Instrument Date	Jun 30, 2017
Instrument	97679
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	FLORIDA TITLESMITH LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
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	4618 HARVEST ROW LN ST CLOUD FL 347728928, ST CLOUD, FL 34772-8928

Mortgage

Document Number	51741100
Date	Jul 5, 2017
Book Page	005174/001100
Instrument	97680

Lender

Name	MORTGAGE FIN
Type	Mortgage Company
Address	TAVARES, FL 32778

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4618 Harvest Row Ln was $5,132 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	$5,132.00 Homeowner's exemption	$222,733	$313,100 Land $75,600 Building $237,500
2023	$4,724.00 (+2.32%) Homeowner's exemption	$210,152 (+3%)	$313,900 (+15.62%) Land $64,800 Building $249,100
2022	$4,617.00 Homeowner's exemption	$204,032	$271,500 Land $59,400 Building $212,100

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

Flood

FEMA maps place 4618 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 4618 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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