2798 Harmonia Hammock Rd, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2798 Harmonia Hammock Rd, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,626 sqft · built 2021
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$376,990 (Aug 2021)
Tax Bill	$6,922 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`242631338300010260`

Property Details

APN / Parcel Number

Primary APN	`242631338300010260`

Interior

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

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	33 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2798 HARMONIA HAMMOCK RD
City	HARMONY
State	FL
Zip	34773-6132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES AT HARMONY PH 1B PB 29 PGS 104-112 LOT 26
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	26
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, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2798 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Deed Document Number	2021133136
Deed Book / Page	6031 / 203
Record Updated	Jun 8, 2026

August 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 26, 2021
Property Address	2798 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6132
Document Number	0060310203
Book / Page	6031 / 203
Map Reference	MB 29 PG 104-112
Instrument Date	Aug 25, 2021
Instrument	2021133136
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2023
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,639.00
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	2798 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6132

Mortgage

Document Number	0006031204
Date	Aug 26, 2021
Instrument	6031/204

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,922.00 (-13.87%) Homeowner's exemption	$338,490 (-13.14%)	$370,000 (-5.06%) Land $80,000 Building $290,000
2023	$8,037.00 (+9.17%)	$389,700 (+10.15%) Land $70,000 Building $319,700	$389,700 (+10.15%) Land $70,000 Building $319,700
2022	$7,362.00	$353,800 Land $60,000 Building $293,800	$353,800 Land $60,000 Building $293,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20