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3172 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3172 Oxbow Ct, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,732 sqft · built 2022
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on File
Last Sale$455,300 (Nov 2022)
Tax Bill$8,074 (2025)
Deeds & MortgagesNov 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN202632349600010180

Property Details

APN / Parcel Number

Primary APN202632349600010180

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,732 sqft Heated Area
Gross Area3,518 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,663 sqft (0.13 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area238 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address3172 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 18
Legal SubdivisionENCLAVE AT LAKES OF HARMONY
Legal Lot Number18
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records · APN 202632349600010180

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3172 OXBOW CT, HARMONY, FL 34773-6164
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 18, 2022 · Amount on Record
Deed SaleNov 18, 2022 · Amount on Record
Deed Document Number2022167671
Deed Book / Page6317 / 434
Record UpdatedJun 08, 2026

November 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 18, 2022
Property Address3172 OXBOW CT, HARMONY, FL 34773-6164
Document Number0063170434
Book / Page6317 / 434
Map ReferenceMB 31 PG 23-27
Instrument DateNov 17, 2022
Instrument2022167671
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$3,187.10
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
Address3172 OXBOW CT, HARMONY, FL 34773-6164

Mortgage

Document Number0006317436
DateNov 18, 2022
Instrument6317/436
Lender
NameNORTHPOINT MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$8,074.00 (+3.33%) Homeowner's exemption$435,500 (+1.78%) Land $65,000 Building $370,500$435,500 (+1.78%) Land $65,000 Building $370,500
2023$7,814.00 (+112.74%) Homeowner's exemption$427,900 (+755.8%) Land $65,000 Building $362,900$427,900 (+755.8%) Land $65,000 Building $362,900
2022$3,673.00$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 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 64 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies64 in force

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 238 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

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