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2657 Harmonia Hammock Rd, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2657 Harmonia Hammock Rd, Harmony, FL 34773 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,501 sqft · built 2022
Lot Size0.11 acres (4,791 sqft)
Owner2 Individual Names on File
Last Sale$308,990 (Feb 2022)
Tax Bill$5,930 (2025)
Deeds & MortgagesMay 2026 Mortgage
Feb 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN24-26-31-3439-0001-2620

Property Details

APN / Parcel Number

Primary APN24-26-31-3439-0001-2620
Alternative APN
  • 263124343900012620

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,501 sqft Living Area
Gross Area2,040 sqft
1st Floor Area1,501 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area4,791 sqft (0.11 acres)
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch
Porch Area119 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2657 HARMONIA HAMMOCK RD
CityHARMONY
StateFL
Zip34773-6153
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAGES AT HARMONY PH 1C-1 & 1D PB 30 PGS 39-45 LOT 262
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionVILLAGES AT HARMONY PHS 1B 1C-1& 1D
Legal Phase1C-1
Legal Lot Number262
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2119
Census Tract43801

Owner

Source: Osceola County records · APN 24-26-31-3439-0001-2620

Assessment roll updated November 26, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address2657 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6153
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

DateDocument
May 15, 2026Deed of Trust, Mortgage · FHA Mortgage
DO NO USE, CARRINGTON MORTGAGE SERVICES
Feb 18, 2022Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 18, 2022 · Amount on Record
Deed SaleFeb 18, 2022 · Amount on Record
Deed Document Number202227774
Deed Book / Page6154 / 1290
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 15, 2026
Property Address2657 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6153
Document Number0000064958
Book / Page6972 / 2389
Instrument DateApr 20, 2026
Instrument202664958
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyDO NO USE, CARRINGTON MORTGAGE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address2657 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6153

Mortgage

Document Number0000064958,
DateMay 15, 2026
Book Page6972/2389
Instrument202664958
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term310 Months
DueMar 01, 2052
Interest
Rate6.22%
Max Rate-1%

February 2022: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 18, 2022
Property Address2657 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6153
Document Number0061541290
Book / Page6154 / 1290
Map ReferenceMB 30 PG 39-45
Instrument DateFeb 17, 2022
Instrument2022027774
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 22, 2024
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,163.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

NameVerified Name
Address2657 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6153

Mortgage

Document Number0061541291
DateFeb 18, 2022
Instrument6154/1291
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,930.00 (+0.22%) Homeowner's exemption$280,900 (-3.7%) Land $80,000 Building $200,900$280,900 (-3.7%) Land $80,000 Building $200,900
2023$5,917.00 (+93.3%) Homeowner's exemption$291,700 (+386.17%) Land $70,000 Building $221,700$291,700 (+386.17%) Land $70,000 Building $221,700
2022$3,061.00$60,000 Land $60,000$60,000 Land $60,000

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 80% of the US · above 70% of Florida
Wildfire LikelihoodAbout 1 in 147 per year
ExposureDirect
burnable vegetation at the parcel

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

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