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3148 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3148 Oxbow Ct, Harmony, FL 34773 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details6 bd · 3 ba · 2,883 sqft · built 2022
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on File
Last Sale$737,000 (Jan 2022)
Tax Bill$9,199 (2025)
Deeds & MortgagesJan 2023 Sale & Mortgage
Jan 2022 Sale
Flood ZoneZone X (minimal risk)
APN20-26-32-3496-0001-0210

Property Details

APN / Parcel Number

Primary APN20-26-32-3496-0001-0210
Alternative APN
  • 263220349600010210

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 2022
Effective Year BuiltEffective 2022
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Garage Area441 sqft
PorchFinished/Open Porch
Porch Area140 sqft

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address3148 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 21
Legal Range32E
Legal Township26S
Legal Section20
Legal SubdivisionENCLAVE AT LAKES OF HARMONY
Legal Lot Number21
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records · APN 20-26-32-3496-0001-0210

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address3148 OXBOW CT, HARMONY, FL 34773-6164
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2023Special Warranty Deed, Transfer · Conventional Mortgage
NORTHPOINT MORTGAGE INC
Jan 24, 2022Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 24, 2022 · Amount on Record
Deed SaleJan 24, 2022 · Amount on Record
Deed Document Number202212030
Deed Book / Page6134 / 2199
Prior Transfer DateJan 19, 2022
Prior Transfer Doc0061342199
Record UpdatedJun 08, 2026

January 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 13, 2023
Property Address3148 OXBOW CT, HARMONY, FL 34773-6164
Document Number0063441855
Book / Page6344 / 1855
Map ReferenceMB 31 PG 23-27
Instrument DateJan 06, 2023
Instrument2023005512
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyCLEAR TITLE/S FL INC, CLEAR TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,130.70
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
Address3148 OXBOW CT, HARMONY, FL 34773-6164

Mortgage

Document Number0063441857
DateJan 13, 2023
Instrument6344/1857
Lender
NameNORTHPOINT MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2053

January 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 24, 2022
Property Address3148 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 April 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$9,199.00 (+2.26%) Homeowner's exemption$448,300 (+1.79%) Land $65,000 Building $383,300$448,300 (+1.79%) Land $65,000 Building $383,300
2024$8,996.00 (-4.68%)
2023$9,438.00 (+82.91%)$440,400 (+780.8%) Land $65,000 Building $375,400$440,400 (+780.8%) Land $65,000 Building $375,400
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 X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskHigh
above 85% of the US · above 77% of Florida
Wildfire LikelihoodAbout 1 in 104 per year
ExposureDirect
burnable vegetation at the parcel

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

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