3202 Bayflower Ave, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3202 Bayflower Ave, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,085 sqft · built 2014
Lot Size	0.151 acres (6,621 sqft)
Owner	Individual Name on Record
Last Sale	$347,000 (May 2019)
Tax Bill	$6,932 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`30263229890001077G`

Property Details

APN / Parcel Number

Primary APN	`30263229890001077G`
Alternative APN	`156610`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,085 sqft Heated Area
Gross Area	3,927 sqft
1st Floor Area	1,489 sqft
Upper Floors Area	1,596 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,621 sqft (0.151 acres)
Lot Dimensions	127 ft deep x 52 ft wide
Garage Type	Finished
Garage Area	537 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	414 sqft
Porch	Open Porch
Porch Area	305 sqft
Deck Area	920 sqft
Patio Area	264 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	156610
Street Address	3202 BAYFLOWER AVE
City	HARMONY
State	FL
Zip	34773-6080
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	HARMONY NEIGHBORHOODS G-H-F PB 19 PG 163-176 LOT 77G
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY
Legal Tract	2989
Legal Block	1
Legal Lot Number	77G
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2106
Census Tract	43801

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	3202 BAYFLOWER AVE, HARMONY, FL 34773-6080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jun 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
May 7, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Nov 29, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NATIONWIDE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2019 · Amount on Record
Deed Sale	May 7, 2019 · Amount on Record
Prior Sale	Apr 16, 2014 · Amount on Record
Deed Document Number	2019058457
Deed Book / Page	5520 / 0484
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3202 BAYFLOWER AVE, HARMONY, FL 34773-6080
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3202 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	0063670257
Date	Mar 6, 2023
Book Page	6367/257
Instrument	2023025834

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 21, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3202 BAYFLOWER AVE, HARMONY, FL 34773-6080
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	NATIONS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3202 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	0059301693
Date	Apr 7, 2021
Book Page	5930/1693
Instrument	2021052588

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3202 BAYFLOWER AVE, HARMONY, FL 34773-6080
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	QUALITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055471726
Date	Jun 26, 2019
Book Page	5547/1726
Instrument	2019082364

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 7, 2019
Property Address	3202 BAYFLOWER AVE, HARMONY, FL 34773-6080
Document Number	0055200484
Book / Page	5520 / 0484
Map Reference	MB 19 PG 163-176
Instrument Date	May 1, 2019
Instrument	2019058457
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,429.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3202 BAYFLOWER AVE, 3202, HARMONY, FL 34773-6080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3202 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	2019058458
Date	May 7, 2019
Instrument	2019058458

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 29, 2017
Property Address	3202 BAYFLOWER AVE, HARMONY, FL 34773-6080
Document Number	0052450873
Book / Page	005245 / 000873
Instrument Date	Nov 27, 2017
Instrument	168884
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3202 BAYFLOWER AVE HARMONY FL 347736080, HARMONY, FL 34773-6080

Mortgage

Document Number	52450875
Date	Nov 29, 2017
Book Page	005245/000875
Instrument	168885

Lender

Name	AMERICAN NATIONWIDE MTG
Type	Mortgage Company
Address	TAMPA, FL 33624

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$6,932.00 (+6.84%) Homeowner's exemption	$363,571 (+5.99%)	$467,800 (+0.02%) Land $65,000 Building $402,800
2023	$6,488.00 (+6.54%) Homeowner's exemption	$343,034 (+3%)	$467,700 (+12.24%) Land $65,000 Building $402,700
2022	$6,090.00 Homeowner's exemption	$333,043	$416,700 Land $60,000 Building $356,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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