3176 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3176 Oxbow Ct, Harmony, FL 34773 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2022
Square Footage	1,580 sqft Heated Area
Lot Size	5,227 sqft (0.119 acres)
Occupancy	Owner Occupied
Last Sale	$366,000 (2023)
Tax Bill	$6,377.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`202632349600010170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,580 sqft Heated Area
Gross Area	2,208 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,227 sqft (0.119 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	188 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3176 OXBOW CT
City	HARMONY
State	FL
Zip	34773-6164
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 17
Legal Subdivision	ENCLAVE AT LAKES OF HARMONY
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	2
Census Block	2087
Census Tract	43801

Owner

Source: Osceola County records · APN 202632349600010170

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3176 OXBOW CT, HARMONY, FL 34773-6164
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 08, 2023 · Amount on Record
Deed Sale	Feb 08, 2023 · Amount on Record
Deed Doc Number	2023015453
Deed Book / Page	6355 / 1274
Record Refreshed	Jun 08, 2026

February 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 08, 2023
Property Address	3176 OXBOW CT, HARMONY, FL 34773-6164
Document Number	0063551274
Book / Page	6355 / 1274
Map Reference	MB 31 PG 23-27
Instrument Date	Jan 31, 2023
Instrument	2023015453
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,562.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	283 CRANES ROOST BLVD STE 250, 250, ALTAMONTE SPRINGS, FL 32701-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3176 OXBOW CT, HARMONY, FL 34773-6164

Mortgage

Document Number	0063551276
Date	Feb 08, 2023
Instrument	6355/1276

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,377.00 (-4.81%) Homeowner's exemption	$313,000 (+1.66%) Land $65,000 Building $248,000	$313,000 (+1.66%) Land $65,000 Building $248,000
2023	$6,699.00 (+82.38%)	$307,900 (+515.8%) Land $65,000 Building $242,900	$307,900 (+515.8%) Land $65,000 Building $242,900
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 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	About 1 in 104 per year
Exposure	Direct burnable vegetation at the parcel

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