2657 Bittern Bend, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2657 Bittern Bend, Harmony, FL 34773 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	5 Baths
Year Built	Built 2024
Square Footage	3,821 sqft Heated Area
Lot Size	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$563,320 (2024)
Tax Bill	$7,289.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`132631367300011860`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Building Area	3,821 sqft Heated Area
Gross Area	4,462 sqft Gross Area
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2024
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	88 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	2657 BITTERN BND
City	HARMONY
State	FL
Zip	34773-6235
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	BAY LAKE FARMS AT SAINT CLOUD PB 34 PGS 165-171 LOT 186
Legal Lot Number	186
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	2
Census Block	2115

Owner

Source: Osceola County records · APN 132631367300011860

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	2657 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	Dec 31, 2024 · Amount on Record
Deed Sale	Dec 31, 2024 · Amount on Record
Deed Doc Number	2024164258
Deed Book / Page	6718 / 2477
Record Refreshed	Jun 08, 2026

December 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 31, 2024
Property Address	2657 BITTERN BND, HARMONY, FL 34773-6235
Document Number	0067182477
Book / Page	6718 / 2477
Map Reference	MB 34 PG 165-171
Instrument Date	Dec 27, 2024
Instrument	2024164258
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD L C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,943.80
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
Address	2657 BITTERN BEND, SAINT CLOUD, FL 34773-6235

Mortgage

Document Number	2024164259
Date	Dec 31, 2024
Instrument	2024164259

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 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.