2880 Elio Hammock Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2880 Elio Hammock Dr, Harmony, FL 34773

Property Summary

Property Type	Vacant Land
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$459,990 (Jun 2026)
Tax Bill	$3,182 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-26-32-5376-0001-0890`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-5376-0001-0890`
Alternative APN	`263218537600010890`

Exterior

Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	2880 ELIO HAMMOCK DR
City	HARMONY
State	FL
Zip	34773-6263
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	VILLAGES AT HARMONY PH 2E & 2F PB 36 PGS 8-15 LOT 89
Legal Subdivision	VILLAGES AT HARMONY PHASE 2E AND 2F
Legal Lot Number	89
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 July 9, 2026

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
Mailing Address	2880 ELIO HAMMOCK DR, HARMONY, FL 34773-6263
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Sep 15, 2025 · Amount on Record
Deed Document Number	202684528
Deed Book / Page	6994 / 2980
Record Updated	Sep 20, 2026

June 2026: Special Warranty Deed

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2026
Property Address	2880 ELIO HAMMOCK DR, HARMONY, FL 34773-6263
Document Number	0000084528
Book / Page	6994 / 2980
Instrument Date	Jun 24, 2026
Instrument	202684528
Record Updated	Jul 9, 2026
Title Company	TITLE OF FLORIDA, DHI TITLE OF FLORIDA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325,212.93
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2880 ELIO HAMMOCK DR, HARMONY, FL 34773-6263

Mortgage

Document Number	0000084529,
Date	Jun 29, 2026
Instrument	202684529

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

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	$3,182.00	$70,000 Land $70,000	$70,000 Land $70,000

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 83% of the US · above 74% of Florida
Wildfire Likelihood	0.9% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35