Osceola County property record for 3120 Oxbow Ct, Harmony, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,901 sqft · built 2022 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $419,400 (Dec 2022) |
| Tax Bill | $7,346 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Dec 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 20-26-32-3496-0001-0280 |
| Primary APN | 20-26-32-3496-0001-0280 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,901 sqft Living Area |
| Gross Area | 2,586 sqft |
| 1st Floor Area | 1,901 sqft |
| Flooring | Tile |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 244 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3120 OXBOW CT |
|---|---|
| City | HARMONY |
| State | FL |
| Zip | 34773-6164 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 28 |
| Legal Range | 32E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | ENCLAVE AT LAKES OF HARMONY |
| Legal Lot Number | 28 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2087 |
| Census Tract | 43801 |
Source: Osceola County records, as of November 26, 2025
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 | 3120 OXBOW CT, HARMONY, FL 34773-6164 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Apr 22, 2024 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 21, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Jan 24, 2022 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2022 · Amount on Record |
| Deed Sale | Dec 21, 2022 · Amount on Record |
| Prior Sale | Jan 24, 2022 · Amount on Record |
| Deed Document Number | 2022182821 |
| Deed Book / Page | 6333 / 2205 |
| Prior Transfer Date | Jan 19, 2022 |
| Prior Transfer Doc | 0061342199 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3120 OXBOW CT, HARMONY, FL 34773-6164 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3120 OXBOW CT, HARMONY, FL 34773-6164 |
| Document Number | 0065862284 |
|---|---|
| Date | Apr 22, 2024 |
| Book Page | 6586/2284 |
| Instrument | 2024051739 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | 1111 POLARIS PKWY, COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2044 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 21, 2022 |
| Property Address | 3120 OXBOW CT, HARMONY, FL 34773-6164 |
| Document Number | 0063332205 |
| Book / Page | 6333 / 2205 |
| Map Reference | MB 31 PG 23-27 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 2022182821 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,935.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9717 EAGLE CREEK CENTER BLVD STE 200, 200, ORLANDO, FL 32832-6346 |
| Name | Verified Name |
|---|---|
| Address | 3120 OXBOW CT, HARMONY, FL 34773-6164 |
| Document Number | 0063332207 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 6333/2207 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 24, 2022 |
| Property Address | 3120 OXBOW CT, HARMONY, FL 34773-6164 |
| Document Number | 0061342199 |
| Book / Page | 6134 / 2199 |
| Map Reference | MB 31 PG 23-27 |
| Instrument Date | Jan 19, 2022 |
| Instrument | 2022012030 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,159.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1750 W BROADWAY ST # ST111, ST111, OVIEDO, FL 32765-9618 |
| Name | Verified Name |
|---|---|
| Address | 370 CENTERPOINTE CIR STE 1136, 1136, ALTAMONTE SPRINGS, FL 32701-3451 |
| Investor | Possibly a Property Investor |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,346.00 (+4.33%) Homeowner's exemption Senior Citizen's exemption | $326,662 (+5.99%) | $342,800 (+1.69%) Land $65,000 Building $277,800 |
| 2024 | $7,041.00 (+2.58%) | ||
| 2023 | $6,864.00 (+33.02%) Homeowner's exemption Senior Citizen's exemption | $308,210 (+516.42%) | $337,100 (+574.2%) Land $65,000 Building $272,100 |
| 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.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 70.6 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 91% of the US · above 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Direct 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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