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2870 Harmonia Hammock Rd, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2870 Harmonia Hammock Rd, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,626 sqft · built 2021
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on File
Last Sale$328,990 (Mar 2021)
Tax Bill$7,322 (2025)
Deeds & MortgagesDec 2022 Line of Credit
Mar 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN242631338300010080

Property Details

APN / Parcel Number

Primary APN242631338300010080

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,626 sqft Heated Area
Gross Area3,120 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,663 sqft (0.13 acres)
Garage TypeFinished
PorchOpen Porch
Patio Area35 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2870 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 8
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionVILLAGES AT HARMONY PHS 1B 1C-1& 1D
Legal Phase1B
Legal Tract3383
Legal Lot Number8
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2119
Census Tract43801

Owner

Source: Osceola County records · APN 242631338300010080

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 RecordIndividual Name on File
Mailing Address2870 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 13, 2022Deed of Trust, Mortgage · Line of Credit
SUNCOAST CU
Mar 23, 2021Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 23, 2021 · Amount on Record
Deed SaleMar 23, 2021 · Amount on Record
Prior SaleMar 23, 2021 · Amount on Record
Deed Document Number0059172089
Deed Book / Page5917 / 2089
Last Transfer DateApr 12, 2024
Transfer Doc0065812204
Record UpdatedJun 08, 2026

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2870 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134
Transaction TypeMortgage
Record UpdatedJan 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address2870 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134

Mortgage

Document Number0063290457
DateDec 13, 2022
Book Page6329/457
Instrument2022178423
Lender
NameSUNCOAST CU
TypeCredit Union
AddressTAMPA, FL 33680
Agreement
TypeLine of Credit
AmountAmount Recorded
Term216 Months
DueDec 12, 2040
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 23, 2021
Property Address2870 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134
Document Number0059172089
Book / Page5917 / 2089
Map ReferenceMB 29 PG 104-112
Instrument DateMar 19, 2021
Instrument2021042391
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 10, 2023
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,303.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2870 HARMONIA HAMMOCK RD, HARMONY, FL 34773-6134

Mortgage

Document Number0059172090
DateMar 23, 2021
Instrument5917/2090
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$7,322.00 (+3.29%) Homeowner's exemption$367,300 (+1.57%) Land $80,000 Building $287,300$367,300 (-5.04%) Land $80,000 Building $287,300
2023$7,089.00 (+4.82%) Homeowner's exemption$361,633 (+3%)$386,800 (+10.17%) Land $70,000 Building $316,800
2022$6,763.00 Homeowner's exemption$351,100 Land $60,000 Building $291,100$351,100 Land $60,000 Building $291,100

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 64 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies64 in force

Wildfire

Wildfire RiskHigh
above 79% of the US · above 68% of Florida
Wildfire LikelihoodAbout 1 in 147 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 55 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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