3184 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3184 Oxbow Ct, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,361 sqft · built 2022
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$426,600 (Oct 2022)
Tax Bill	$7,809 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202632349600010150`

Property Details

APN / Parcel Number

Primary APN	`202632349600010150`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,361 sqft Heated Area
Gross Area	3,034 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	169 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3184 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 15
Legal Subdivision	ENCLAVE AT LAKES OF HARMONY
Legal Lot Number	15
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 · APN 202632349600010150

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	3184 OXBOW CT, HARMONY, FL 34773-6164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 2022 · Amount on Record
Deed Sale	Oct 24, 2022 · Amount on Record
Deed Document Number	2022156472
Deed Book / Page	6304 / 884
Record Updated	Jun 08, 2026

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 24, 2022
Property Address	3184 OXBOW CT, HARMONY, FL 34773-6164
Document Number	0063040884
Book / Page	6304 / 884
Map Reference	MB 31 PG 23-26
Instrument Date	Oct 07, 2022
Instrument	2022156472
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	CLEAR TITLE/S FL INC, CLEAR TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,986.20
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	3184 OXBOW CT, HARMONY, FL 34773-6164

Mortgage

Document Number	0006304886
Date	Oct 24, 2022
Instrument	6304/886

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

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	$7,809.00 (+3.36%)	$375,500 (+1.71%) Land $65,000 Building $310,500	$375,500 (+1.71%) Land $65,000 Building $310,500
2023	$7,555.00 (+105.69%)	$369,200 (+638.4%) Land $65,000 Building $304,200	$369,200 (+638.4%) Land $65,000 Building $304,200
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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 64 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force 60 of 64 on primary residences

Wildfire

Wildfire Risk	High above 84% of the US · above 75% of Florida
Wildfire Likelihood	About 1 in 120 per year
Exposure	Direct 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.