2688 Bittern Bend, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2688 Bittern Bend, Harmony, FL 34773 · Last verified July 2026

Property Highlights

Property Type	Vacant Land > Uncategorized
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Last Sale	$489,189 (2026)
Tax Bill	$969.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`13-26-31-3673-0001-1740`
Alternative APN	`263113367300011740`

Exterior

Lot Area	6,098 sqft (0.14 acres)

Location & Zoning

Street Address	2688 BITTERN BND
City	HARMONY
State	FL
Zip	34773-6236
Property Usage	Vacant Land Property Usage
Type	Vacant Land > Uncategorized
Legal Description	BAY LAKE FARMS AT SAINT CLOUD PB 34 PGS 165-171 LOT 174
Legal Subdivision	BAY LAKE FARMS AT SAINT CLOUD
Legal Lot Number	174
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	2
Census Block	2115
Census Tract	43801

Owner

Source: Osceola County records · APN 13-26-31-3673-0001-1740

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

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

Owner of Record	2 Individual Names on File
Mailing Address	2688 BITTERN BND, HARMONY, FL 34773-6236
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 23, 2026 · Amount on Record
Deed Sale	Mar 23, 2026 · Amount on Record
Deed Doc Number	202637505
Deed Book / Page	6941 / 441
Record Refreshed	Sep 20, 2026

March 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 23, 2026
Property Address	2688 BITTERN BND, HARMONY, FL 34773-6236
Document Number	0069410441
Book / Page	6941 / 441
Map Reference	MB 34 PG 165-171
Instrument Date	Mar 16, 2026
Instrument	2026037505
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 01, 2026
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,424.40
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	2688 BITTERN BND, HARMONY, FL 34773-6236

Mortgage

Document Number	0006941443
Date	Mar 23, 2026
Instrument	6941/443

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

Tax Assessment & Valuation

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

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	$969.00 (+100.62%)	$70,000 Land $70,000	$70,000 Land $70,000
2024	$483.00

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 79% of the US · above 68% of Florida
Wildfire Likelihood	About 1 in 161 per year
Exposure	Direct burnable vegetation at the parcel

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