2975 Grey Moss Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 2975 Grey Moss Dr, Harmony, FL 34773

Property Summary

Property Type	Vacant Land
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,990 (Mar 2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-26-32-5376-0001-1890`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-5376-0001-1890`
Alternative APN	`263218537600011890`

Exterior

Lot Area	9,583 sqft (0.22 acres)

Location & Zoning

Street Address	2975 GREY MOSS DR
City	HARMONY
State	FL
Zip	34773-6267
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	VILLAGES AT HARMONY PH 2E & 2F PB 36 PGS 8-15 LOT 189
Legal Subdivision	VILLAGES AT HARMONY PHASE 2E AND 2F
Legal Lot Number	189
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 April 13, 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	2975 GREY MOSS DR, HARMONY, FL 34773-6267
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Sep 15, 2025 · Amount on Record
Deed Document Number	202642952
Deed Book / Page	6947 / 323
Record Updated	Jun 8, 2026

March 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 31, 2026
Property Address	2975 GREY MOSS DR, HARMONY, FL 34773-6267
Document Number	0069470323
Book / Page	6947 / 323
Map Reference	MB 36 PG 8-15
Instrument Date	Mar 27, 2026
Instrument	2026042952
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 22, 2026
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
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	2975 GREY MOSS DR, HARMONY, FL 34773-6267

Mortgage

Document Number	0006947324
Date	Mar 31, 2026
Instrument	6947/324

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	4.87%
Index	1-Year CMT
Margin	2
Max Rate	5%

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	Assessed Value	Assessed Market Value
2025	$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 82% of the US · above 72% 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