2698 Harmonia Hammock Rd, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2698 Harmonia Hammock Rd, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,626 sqft · built 2022
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Nov 2024)
Tax Bill	$2,799 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`242631338300010500`

Property Details

APN / Parcel Number

Primary APN	`242631338300010500`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,626 sqft Heated Area
Gross Area	3,198 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2698 HARMONIA HAMMOCK RD
City	HARMONY
State	FL
Zip	34773-6130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES AT HARMONY PH 1B PB 29 PGS 104-112 LOT 50
Legal Range	31E
Legal Township	26S
Legal Section	24
Legal Subdivision	VILLAGES AT HARMONY PHS 1B 1C-1& 1D
Legal Phase	1B
Legal Tract	3383
Legal Lot Number	50
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2119
Census Tract	43801

Owner

Source: Osceola County records · APN 242631338300010500

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
Mailing Address	2698 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 08, 2024 · Amount on Record
Deed Sale	Nov 08, 2024 · Amount on Record
Prior Sale	Feb 01, 2022 · Amount on Record
Deed Document Number	2024142224
Deed Book / Page	6692 / 2934
Record Updated	Jun 08, 2026

February 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 01, 2022
Property Address	2698 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6130
Document Number	0061401347
Book / Page	6140 / 1347
Map Reference	MB 29 PG 104-112
Instrument Date	Jan 28, 2022
Instrument	2022016557
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2698 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6130

Mortgage

Document Number	0061401348
Date	Feb 01, 2022
Instrument	6140/1348

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2052

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)

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	$2,799.00 (-62.19%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$364,600 (-5.08%) Land $80,000 Building $284,600	$364,600 (-5.08%) Land $80,000 Building $284,600
2023	$7,403.00 (+127.43%) Homeowner's exemption	$384,100 (+540.17%) Land $70,000 Building $314,100	$384,100 (+540.17%) Land $70,000 Building $314,100
2022	$3,255.00	$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 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438012, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 64 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force 60 of 64 on primary residences

Wildfire

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	About 1 in 147 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.