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3108 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3108 Oxbow Ct, Harmony, FL 34773 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details6 bd · 3 ba · 2,883 sqft · built 2023
Lot Size0.17 acres (7,405 sqft)
OwnerCompany Name on File
Last Sale$515,000 (Oct 2023)
Tax Bill$9,797 (2025)
Deeds & MortgagesOct 2023 Sale & Mortgage
Jan 2022 Sale
Flood ZoneZone AE (high risk)
APN20-26-32-3496-0001-0310

Property Details

APN / Parcel Number

Primary APN20-26-32-3496-0001-0310
Alternative APN
  • 263220349600010310

Interior

Bedrooms6 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,883 sqft Living Area
Gross Area3,601 sqft
1st Floor Area1,731 sqft
FlooringTile

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area441 sqft
PorchSlab
Porch Area140 sqft

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address3108 OXBOW CT
CityHARMONY
StateFL
Zip34773-6164
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 31
Legal Range32E
Legal Township26S
Legal Section20
Legal SubdivisionENCLAVE AT LAKES OF HARMONY
Legal Lot Number31
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records · APN 20-26-32-3496-0001-0310

Assessment roll updated November 26, 2025 · Last verified August 2026

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

Owner of RecordCompany Name on File
Mailing Address3108 OXBOW CT, HARMONY, FL 34773-6164
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2023Special Warranty Deed, Transfer · Balloon Mortgage
DK LENDING LLC
Jan 24, 2022Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 26, 2023 · Amount on Record
Deed SaleOct 26, 2023 · Amount on Record
Prior SaleJan 24, 2022 · Amount on Record
Deed Document Number2023141400
Deed Book / Page6496 / 210
Prior Transfer DateJan 19, 2022
Prior Transfer Doc0061342199
Record UpdatedSep 20, 2026

October 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 26, 2023
Property Address3108 OXBOW CT, HARMONY, FL 34773-6164
Document Number0064960210
Book / Page6496 / 210
Map ReferenceMB 31 PG 23-27
Instrument DateOct 09, 2023
Instrument2023141400
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyCLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,605.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9717 EAGLE CREEK CENTER BLVD, ORLANDO, FL 32832-6345

Transferred To (Grantee/Buyer)

NameVerified Name
Address3108 OXBOW CT, HARMONY, FL 34773-6164

Mortgage

Document Number0006496212
DateOct 26, 2023
Instrument6496/212
Lender
NameDK LENDING LLC
TypeNon-Lending Institution
Agreement
TypeBalloon Mortgage
AmountAmount Recorded
Term2 Months
DueDec 01, 2023

January 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 24, 2022
Property Address3108 OXBOW CT, HARMONY, FL 34773-6164
Document Number0061342199
Book / Page6134 / 2199
Map ReferenceMB 31 PG 23-27
Instrument DateJan 19, 2022
Instrument2022012030
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$5,159.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1750 W BROADWAY ST # ST111, ST111, OVIEDO, FL 32765-9618

Transferred To (Grantee/Buyer)

NameVerified Name
Address370 CENTERPOINTE CIR STE 1136, 1136, ALTAMONTE SPRINGS, FL 32701-3451
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$9,797.00 (-9.33%)$450,600 (+593.23%) Land $65,000 Building $385,600$450,600 (+593.23%) Land $65,000 Building $385,600
2024$10,805.00 (+70.29%)
2023$6,345.00 (+22.97%)$65,000 (+3%) Land $65,000$65,000 (+3%) Land $65,000
2022$5,160.00$50,000 Land $50,000$50,000 Land $50,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation70.6 ft

Wildfire

Wildfire RiskVery High
above 92% of the US · above 86% of Florida
Wildfire LikelihoodAbout 1 in 106 per year
ExposureDirect
burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values are read at the parcel center point; lenders make the official flood determination.

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