3204 Bayflower Ave, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3204 Bayflower Ave, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,519 sqft · built 2016
Lot Size	0.151 acres (6,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Aug 2018)
Tax Bill	$3,909 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30263229890001076G`

Property Details

APN / Parcel Number

Primary APN	`30263229890001076G`
Alternative APN	`156609`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,519 sqft Heated Area
Gross Area	4,558 sqft
1st Floor Area	1,669 sqft
Upper Floors Area	1,850 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
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	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	467 sqft
Deck Area	488 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	156609
Street Address	3204 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 76G
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY
Legal Tract	2989
Legal Block	1
Legal Lot Number	76G
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	2 Individual Names on Record
Mailing Address	3204 BAYFLOWER AVE, HARMONY, FL 34773-6080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jun 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Oct 13, 2017	Warranty Deed, Transfer PSH TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2018 · Amount on Record
Deed Sale	Aug 23, 2018 · Amount on Record
Prior Sale	Oct 13, 2017 · Amount on Record
Deed Document Number	2018128714
Deed Book / Page	5390 / 0068
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3204 BAYFLOWER AVE, HARMONY, FL 34773-6080
Transaction Type	Mortgage
Record Updated	Feb 4, 2022
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	0061362457
Date	Jan 26, 2022
Book Page	6136/2457
Instrument	2022013672

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3204 BAYFLOWER AVE, HARMONY, FL 34773-6080
Document Number	0055521876
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3204 BAYFLOWER AVE HARMONY FL 347736080, HARMONY, FL 34773-6080

Mortgage

Document Number	0055521876
Date	Jul 5, 2019
Book Page	005552/001876
Instrument	86704

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 13, 2017
Property Address	3204 BAYFLOWER AVE, HARMONY, FL 34773-6080
Document Number	0052232289
Book / Page	005223 / 002289
Instrument Date	Oct 11, 2017
Instrument	147251
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	PSH TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,065.00
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	3204 BAYFLOWER AVE HARMONY FL 347736080, HARMONY, FL 34773-6080

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	$3,909.00 (-48.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$340,262 (+5.99%)	$507,000 (+1.93%) Land $65,000 Building $442,000
2023	$7,559.00 (+5.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$321,042 (+3%)	$497,400 (+12.64%) Land $65,000 Building $432,400
2022	$7,169.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$311,692	$441,600 Land $60,000 Building $381,600

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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