2963 Elio Hammock Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2963 Elio Hammock Dr, Harmony, FL 34773

Property Summary

Property TypeVacant Land
Lot Size0.12 acres (5,227 sqft)
Owner2 Individual Names on Record
Last Sale$423,990 (Oct 2025)
Tax Bill$2,982 (2025)
Deeds & MortgagesOct 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN18-26-32-5376-0001-0990

Property Details

APN / Parcel Number

Primary APN18-26-32-5376-0001-0990
Alternative APN
  • 263218537600010990

Exterior

Lot Area5,227 sqft (0.12 acres)

Location & Zoning

Street Address2963 ELIO HAMMOCK DR
CityHARMONY
StateFL
Zip34773-6265
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionVILLAGES AT HARMONY PH 2E & 2F PB 36 PGS 8-15 LOT 99
Legal SubdivisionVILLAGES AT HARMONY PHASE 2E AND 2F
Legal Lot Number99
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records, as of August 24, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address2963 ELIO HAMMOCK DR, HARMONY, FL 34773-6265
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 28, 2025 · Amount on Record
Deed SaleOct 28, 2025 · Amount on Record
Prior SaleMay 9, 2025 · Amount on Record
Deed Document Number2025133246
Deed Book / Page6871 / 1206
Record UpdatedOct 29, 2026

October 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 28, 2025
Property Address2963 ELIO HAMMOCK DR, HARMONY, FL 34773-6265
Document Number0068711206
Book / Page6871 / 1206
Map ReferenceMB 36 PG 8-15
Instrument DateOct 24, 2025
Instrument2025133246
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 2, 2026
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,968.00
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
Address2963 ELIO HAMMOCK DR, HARMONY, FL 34773-6265

Mortgage

Document Number0068711207
DateOct 28, 2025
Instrument6871/1207
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

Mortgage

Document Number0068711222
DateOct 28, 2025
Book Page6871/1222
Instrument2025133248
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
AddressAUSTIN, TX 78750
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

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$2,982.00$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 ZoneZone X
minimal risk
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 82% of the US · above 72% of Florida
Wildfire Likelihood0.9% 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-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

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

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

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