3168 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3168 Oxbow Ct, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,361 sqft · built 2022
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$416,200 (Nov 2022)
Tax Bill	$7,258 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-32-3496-0001-0190`

Property Details

APN / Parcel Number

Primary APN	`20-26-32-3496-0001-0190`
Alternative APN	`263220349600010190`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,361 sqft Living Area
Gross Area	3,034 sqft
1st Floor Area	1,181 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished/Open Porch
Porch Area	169 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3168 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 19
Legal Range	32E
Legal Township	26S
Legal Section	20
Legal Subdivision	ENCLAVE AT LAKES OF HARMONY
Legal Lot Number	19
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 November 26, 2025

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	2922 TURNSTONE RUN, HARMONY, FL 34773-6158
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 8, 2022	Special Warranty Deed, Transfer CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC
Dec 27, 2021	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2022 · Amount on Record
Deed Sale	Nov 8, 2022 · Amount on Record
Prior Sale	Dec 27, 2021 · Amount on Record
Deed Document Number	2022163840
Deed Book / Page	6312 / 2442
Prior Transfer Date	Dec 15, 2021
Prior Transfer Doc	0061160573
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3168 OXBOW CT, HARMONY, FL 34773-6164
Transaction Type	Mortgage
Record Updated	Jan 22, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3168 OXBOW CT, HARMONY, FL 34773-6164

Mortgage

Document Number	0063562211
Date	Feb 10, 2023
Book Page	6356/2211
Instrument	2023016608

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 8, 2022
Property Address	3168 OXBOW CT, HARMONY, FL 34773-6164
Document Number	0063122442
Book / Page	6312 / 2442
Map Reference	MB 31 PG 23-27
Instrument Date	Oct 26, 2022
Instrument	2022163840
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Tax	$2,913.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9717 EAGLE CREEK CENTER BLVD STE 200, 200, ORLANDO, FL 32832-6346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3168 OXBOW CT, HARMONY, FL 34773-6164

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2021
Property Address	3168 OXBOW CT, HARMONY, FL 34773-6164
Document Number	0061160573
Book / Page	6116 / 573
Map Reference	MB 31 PG 23-27
Instrument Date	Dec 15, 2021
Instrument	2021199416
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	750 W BROADWAY ST111, OVIEDO, FL 32765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 CENTERPOINTE CIR STE 1136, 1136, ALTAMONTE SPRINGS, FL 32701-3451
Investor	Possibly a Property Investor

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,258.00 (+2.31%) Homeowner's exemption	$376,600 (+2.34%) Land $65,000 Building $311,600	$376,600 (+2.34%) Land $65,000 Building $311,600
2024	$7,094.00 (+1.68%)
2023	$6,977.00 (+89.95%) Homeowner's exemption	$368,000 (+636%) Land $65,000 Building $303,000	$368,000 (+636%) Land $65,000 Building $303,000
2022	$3,673.00	$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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 85% of the US · above 76% of Florida
Wildfire Likelihood	1% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

Nearby Properties on Oxbow Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures