2645 Bittern Bend, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2645 Bittern Bend, Harmony, FL 34773 · Last verified December 2025

Property Highlights

Property Type	Vacant Land > Residential
Lot Size	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$474,990 (2025)
Tax Bill	$1,682.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`132631367300011840`

Exterior

Lot Area	5,663 sqft (0.13 acres)

Location & Zoning

Street Address	2645 BITTERN BND
City	HARMONY
State	FL
Zip	34773-6235
Property Usage	Residential Property Usage
Type	Vacant Land > Residential
Legal Description	BAY LAKE FARMS AT SAINT CLOUD PB 34 PGS 165-171 LOT 184
Legal Lot Number	184
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	2
Census Block	2115

Owner

Source: Osceola County records · APN 132631367300011840

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	2645 BITTERN BND, HARMONY, FL 34773-6235
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 03, 2025 · Amount on Record
Deed Sale	Mar 03, 2025 · Amount on Record
Deed Doc Number	2025026197
Deed Book / Page	6747 / 1674
Record Refreshed	Jun 08, 2026

March 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 03, 2025
Property Address	2645 BITTERN BND, HARMONY, FL 34773-6235
Document Number	0067471674
Book / Page	6747 / 1674
Map Reference	MB 34 PG 165-171
Instrument Date	Feb 27, 2025
Instrument	2025026197
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	2645 BITTERN BND, HARMONY, FL 34773-6235

Mortgage

Document Number	0067471676
Date	Mar 03, 2025
Book Page	6747/1676
Instrument	2025026198

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2055

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)

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 77% of the US · above 65% of Florida
Wildfire Likelihood	About 1 in 156 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.