2804 Swooping Sparrow Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2804 Swooping Sparrow Dr, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 2024
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,990 (May 2024)
Tax Bill	$6,417 (2025)
Deeds & Mortgages	Feb 2025 Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-31-3497-0001-1030`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-3497-0001-1030`
Alternative APN	`263113349700011030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Living Area
Gross Area	2,239 sqft
1st Floor Area	1,620 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	373 sqft
Porch	Florida Room
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	2804 SWOOPING SPARROW DR
City	HARMONY
State	FL
Zip	34773-6190
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES AT HARMONY PH 2A PB 32 PGS 148-153 LOT 103
Legal Subdivision	VILLAGES AT HARMONY PHASE 2A
Legal Lot Number	103
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2087
Census Tract	43801

Owner

Source: Osceola County records, as of May 21, 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 Record
Mailing Address	2804 SWOOPING SPARROW DR, HARMONY, FL 34773-6190
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2025	Deed of Trust, Mortgage · VA Mortgage ZOOM HOME LENDING LLC
May 3, 2024	Warranty Deed, Subdivision Related Transfer · VA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	Sep 15, 2023 · Amount on Record
Deed Document Number	202458510
Deed Book / Page	6594 / 2854
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2804 SWOOPING SPARROW DR, HARMONY, FL 34773-6190
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 SWOOPING SPARROW DR, HARMONY, FL 34773-6190

Mortgage

Document Number	0067462469
Date	Feb 28, 2025
Book Page	6746/2469
Instrument	2025025562

Lender

Name	ZOOM HOME LENDING LLC
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

May 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2024
Property Address	2804 SWOOPING SPARROW DR, HARMONY, FL 34773-6190
Document Number	0065942854
Book / Page	6594 / 2854
Map Reference	MB 32 PG 148-153
Instrument Date	Apr 29, 2024
Instrument	2024058510
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
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	2804 SWOOPING SPARROW DR, HARMONY, FL 34773-6190

Mortgage

Document Number	2024058511
Date	May 3, 2024
Instrument	2024058511

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$6,417.00 (+83.34%)	$307,400 (+924.67%) Land $70,000 Building $237,400	$307,400 (+924.67%) Land $70,000 Building $237,400
2024	$3,500.00 (+46.38%)
2023	$2,391.00 (+1,711.36%)	$30,000 (+215.79%) Land $30,000	$30,000 (+215.79%) Land $30,000
2022	$132.00	$9,500 Land $9,500	$9,500 Land $9,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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 80% of the US · above 70% 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-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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