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2842 Harmonia Hammock Rd, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2842 Harmonia Hammock Rd, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,676 sqft · built 2021
Lot Size0.13 acres (5,662 sqft)
OwnerIndividual Name on Record
Last Sale$298,990 (Apr 2021)
Tax Bill$6,350 (2025)
Deeds & MortgagesJan 2023 Second Mortgage
Jan 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN24-26-31-3383-0001-0150

Property Details

APN / Parcel Number

Primary APN24-26-31-3383-0001-0150
Alternative APN
  • 263124338300010150

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,676 sqft Living Area
Gross Area2,358 sqft
1st Floor Area1,676 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,662 sqft (0.13 acres)
Garage TypeAttached
Garage Area462 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2842 HARMONIA HAMMOCK RD
CityHARMONY
StateFL
Zip34773-6134
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAGES AT HARMONY PH 1B PB 29 PGS 104-112 LOT 15
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionVILLAGES AT HARMONY PHS 1B 1C-1& 1D
Legal Phase1B
Legal Lot Number15
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2119
Census Tract43801

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address2842 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 5, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
MCCOY FCU
Jan 6, 2022Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
May 26, 2022Intrafamily Transfer, Transfer
Apr 29, 2021Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 29, 2021 · Amount on Record
Deed SaleApr 29, 2021 · Amount on Record
Deed Document Number202165970
Deed Book / Page5947 / 2091
Last Transfer DateFeb 18, 2022
Transfer Doc0062212009
Record UpdatedJun 8, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2842 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134
Transaction TypeMortgage
Record UpdatedJan 23, 2023
Title CompanyMORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2842 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134

Mortgage

Document Number0063410202
DateJan 5, 2023
Book Page6341/202
Instrument2023002169
Lender
NameMCCOY FCU
TypeCredit Union
AddressORLANDO, FL 32809
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueJan 3, 2043

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2842 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134
Transaction TypeMortgage
Record UpdatedJan 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address2842 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134

Mortgage

Document Number0061231743
DateJan 6, 2022
Book Page6123/1743
Instrument2022003077
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2052

May 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMay 26, 2022
Property Address2842 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134
Document Number0062212009
Book / Page6221 / 2009
Map ReferenceMB 29 PG 104-112
Instrument DateFeb 18, 2022
Instrument2022083236
Transaction TypeTransfer
Record UpdatedJan 10, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2842 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134

Transferred To (Grantee/Buyer)

NameVerified Name
Address2842 HARMONIA HAMMROCK ROAD, HARMONY, FL 34773-6134

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 29, 2021
Property Address2842 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134
Document Number0059472091
Book / Page5947 / 2091
Map ReferenceMB 29 PG 104-112
Instrument DateApr 23, 2021
Instrument2021065970
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 10, 2023
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,093.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address101912 DOWDEN ROAD, ORLANDO, FL 32832

Transferred To (Grantee/Buyer)

NameVerified Name
Address2842 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134

Mortgage

Document Number0059472092
DateApr 29, 2021
Instrument5947/2092
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,350.00 (+3.2%) Homeowner's exemption$297,200 (+3.72%) Land $80,000 Building $217,200$297,200 (-3.35%) Land $80,000 Building $217,200
2024$6,153.00 (+1.87%)
2023$6,040.00 (+5.15%) Homeowner's exemption$286,546 (+3%)$307,500 (+10.53%) Land $70,000 Building $237,500
2022$5,744.00 Homeowner's exemption$278,200 Land $60,000 Building $218,200$278,200 Land $60,000 Building $218,200

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 64 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies64 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 RiskHigh
above 78% of the US · above 66% of Florida
Wildfire Likelihood0.7% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

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

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