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3112 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3112 Oxbow Ct, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,901 sqft · built 2023
Lot Size0.17 acres (7,405 sqft)
OwnerCompany Name on Record
Last Sale$417,200 (Jan 2023)
Tax Bill$8,327 (2025)
Deeds & MortgagesSep 2023 Transfer
Jan 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN20-26-32-3496-0001-0300

Property Details

APN / Parcel Number

Primary APN20-26-32-3496-0001-0300
Alternative APN
  • 263220349600010300

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,901 sqft Living Area
Gross Area2,586 sqft
1st Floor Area1,901 sqft
FlooringCarpet

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
PorchFinished/Open Porch
Porch Area244 sqft

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Street Address3112 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 30
Legal Range32E
Legal Township26S
Legal Section20
Legal SubdivisionENCLAVE AT LAKES OF HARMONY
Legal Lot Number30
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records, as of February 5, 2026

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

Owner of RecordCompany Name on Record
Mailing Address456 BETSY ROSS TER, ORLANDO, FL 32809-6609
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Sep 12, 2023Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 27, 2023Special Warranty Deed, Transfer · Conventional Mortgage
OCMBC INC
Jan 24, 2022Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 26, 2023 · Amount on Record
Deed SaleJan 26, 2023 · Amount on Record
Prior SaleJan 24, 2022 · Amount on Record
Deed Document Number202310575
Deed Book / Page6349 / 2881
Last Transfer DateSep 5, 2023
Transfer Doc0064722841
Record UpdatedSep 20, 2026

September 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateSep 12, 2023
Property Address3112 OXBOW CT, HARMONY, FL 34773-6164
Document Number0064722841
Book / Page6472 / 2841
Map ReferenceMB 31 PG 23-27
Instrument DateSep 5, 2023
Instrument2023120257
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address456 BETSY ROSS TER, ORLANDO, FL 32809-6609

Transferred To (Grantee/Buyer)

NameVerified Name
Address456 BETSY ROSS TER, ORLANDO, FL 32809-6609

January 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 27, 2023
Property Address3112 OXBOW CT, HARMONY, FL 34773-6164
Document Number0063492881
Book / Page6349 / 2881
Map ReferenceMB 31 PG 23-27
Instrument DateJan 26, 2023
Instrument2023010575
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyCLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,920.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9717 EAGLE CREEK CENTER BLVD STE 200, 200, ORLANDO, FL 32832-6346

Transferred To (Grantee/Buyer)

NameVerified Name
Address3112 OXBOW CT, HARMONY, FL 34773-6164

Mortgage

Document Number0063492883
DateJan 27, 2023
Instrument6349/2883
Lender
NameOCMBC INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2053

January 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 24, 2022
Property Address3112 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 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$8,327.00 (+2.44%)$344,500 (+43%) Land $65,000 Building $279,500$344,500 (+43%) Land $65,000 Building $279,500
2024$8,129.00 (+93.73%)
2023$4,196.00 (-18.68%)$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

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 AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation70.6 ft
Flood Insurance RequirementRequired
federally backed loans
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 RiskVery High
above 91% of the US · above 85% of Florida
Wildfire Likelihood0.9% annual chance
ExposureDirect
burnable vegetation

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

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 EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 11 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

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