4623 Harvest Row Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4623 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	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Jul 2022)
Tax Bill	$6,357 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2023 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0157-0001-0430`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0157-0001-0430`
Alternative APN	`263119015700010430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,894 sqft Living Area
Gross Area	2,508 sqft
1st Floor Area	1,894 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4623 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 43
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 1
Legal Phase	1
Legal Tract	157
Legal Block	430
Legal Lot Number	43
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43304

Owner

4623 Harvest Row Ln is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 21, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
May 15, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 12, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 17, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 18, 2022	Warranty Deed, Transfer · FHA Mortgage READY MORTGAGE LENDERS LLC
May 23, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Sep 15, 2018	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Aug 28, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2022 · Amount on File
Deed Sale	Jul 18, 2022 · Amount on File
Prior Sale	Aug 26, 2014 · Amount on File
Deed Document Number	2022109794
Deed Book / Page	6252 / 1409
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2026
Property Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Document Number	0000109213
Book / Page	7023 / 1064
Instrument Date	Jul 6, 2026
Instrument	2026109213
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929

Mortgage

Document Number	0000109213,
Date	Aug 21, 2026
Book Page	7023/1064
Instrument	2026109213

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929

Mortgage

Document Number	0064070522
Date	May 15, 2023
Book Page	6407/522
Instrument	2023061757

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Aug 1, 2052

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929

Mortgage

Document Number	0065332090
Date	Jan 12, 2024
Book Page	6533/2090
Instrument	2024005412

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Aug 1, 2052

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929

Mortgage

Document Number	0067112474
Date	Dec 17, 2024
Book Page	6711/2474
Instrument	2024158527

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Aug 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2022
Property Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Document Number	0062521409
Book / Page	6252 / 1409
Map Reference	MB 22 PG 75-83
Instrument Date	Jul 13, 2022
Instrument	2022109794
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MV TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8457 NARCOOSSEE RD APT 11205, 11205, ORLANDO, FL 32827-5636

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929

Mortgage

Document Number	0062521411
Date	Jul 18, 2022
Instrument	6252/1411

Lender

Name	READY MORTGAGE LENDERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Document Number	0057312402
Instrument Date	May 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4623 HARVEST ROW LN ST CLOUD FL 347728929, ST CLOUD, FL 34772-8929

Mortgage

Document Number	0057312402
Date	Jun 3, 2020
Book Page	005731/002402
Instrument	71641

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Document Number	0054070058
Instrument Date	Sep 15, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4623 HARVEST ROW LN ST CLOUD FL 347728929, ST CLOUD, FL 34772-8929

Mortgage

Document Number	0054070058
Date	Sep 25, 2018
Book Page	005407/000058
Instrument	144480

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4623 HARVEST ROW LN, SAINT CLOUD, FL 34772-8929
Document Number	0052051011
Book / Page	005205 / 001011
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 5, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4623 HARVEST ROW LN ST CLOUD FL 347728929, ST CLOUD, FL 34772-8929

Mortgage

Document Number	0052051011
Date	Sep 6, 2017
Book Page	005205/001011
Instrument	128073

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4623 Harvest Row Ln was $6,357 with a homeowner's exemption.

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	$6,357.00 Homeowner's exemption	$291,166	$323,400 Land $70,000 Building $253,400
2023	$5,887.00 (+34.35%) Homeowner's exemption	$274,720 (+40.15%)	$325,600 (+15.75%) Land $60,000 Building $265,600
2022	$4,382.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$196,015	$281,300 Land $55,000 Building $226,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4623 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 4623 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.

Nearby Properties on Harvest Row Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures