2694 Bittern Bend, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2694 Bittern Bend, Harmony, FL 34773 · Last verified August 2026

Property Highlights

Property Type	Vacant Land > Uncategorized
Lot Size	9,147 sqft (0.21 acres)
Occupancy	Owner Occupied
Last Sale	$465,000 (2026)
Tax Bill	$969.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`13-26-31-3673-0001-1730`
Alternative APN	`263113367300011730`

Exterior

Lot Area	9,147 sqft (0.21 acres)

Location & Zoning

Street Address	2694 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 173
Legal Subdivision	BAY LAKE FARMS AT SAINT CLOUD
Legal Lot Number	173
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 13-26-31-3673-0001-1730

Assessment roll updated November 26, 2025 · Last verified August 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	2694 BITTERN BND, HARMONY, FL 34773-6236
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Deed Doc Number	202698195
Deed Book / Page	7010 / 1224
Record Refreshed	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 28, 2026
Property Address	2694 BITTERN BND, HARMONY, FL 34773-6236
Document Number	0000098195
Book / Page	7010 / 1224
Instrument Date	Jul 24, 2026
Instrument	202698195
Transaction Type	Transfer
Record Updated	Aug 05, 2026
Title Company	M/I TITLE LLC, M/I TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$328,755.00
Amount Accuracy	Calculated from Tax (Full/Partial Unknown)
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2694 BITTERN BND, HARMONY, FL 34773-6236

Mortgage

Document Number	0000098196,
Date	Jul 28, 2026
Instrument	202698196

Lender

Name	MI FINANCIAL

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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.