2602 Swooping Sparrow Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2602 Swooping Sparrow Dr, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,501 sqft · built 2023
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$377,990 (Aug 2023)
Tax Bill	$6,317 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132631349700010510`

Property Details

APN / Parcel Number

Primary APN	`132631349700010510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,501 sqft Heated Area
Gross Area	2,040 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	119 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2602 SWOOPING SPARROW DR
City	HARMONY
State	FL
Zip	34773-6188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES AT HARMONY PH 2A PB 32 PGS 148-153 LOT 51
Legal Phase	2A
Legal Lot Number	51
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2087
Census Tract	43801

Owner

Source: Osceola County records · APN 132631349700010510

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2602 SWOOPING SPARROW DR, HARMONY, FL 34773-6188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Deed Document Number	2023113651
Deed Book / Page	6465 / 1797
Record Updated	Jun 08, 2026

August 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 29, 2023
Property Address	2602 SWOOPING SPARROW DR, HARMONY, FL 34773-6188
Document Number	0064651797
Book / Page	6465 / 1797
Map Reference	MB 32 PG 148-153
Instrument Date	Aug 28, 2023
Instrument	2023113651
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,646.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2602 SWOOPING SPARROW DR, HARMONY, FL 34773-6188

Mortgage

Document Number	0064651798
Date	Aug 29, 2023
Instrument	6465/1798

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,317.00 (+164.2%) Homeowner's exemption	$295,200 (+884%) Land $70,000 Building $225,200	$295,200 (+884%) Land $70,000 Building $225,200
2023	$2,391.00 (+1,711.36%)	$30,000 (+215.79%) Land $30,000	$30,000 (+215.79%) Land $30,000
2022	$132.00	$9,500 Land $9,500	$9,500 Land $9,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force

Wildfire

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

Based on FCC filings for 69 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.