3205 Bayflower Ave, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3205 Bayflower Ave, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,617 sqft · built 2014
Lot Size	0.107 acres (4,704 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Nov 2018)
Tax Bill	$5,773 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30263229890001081G`

Property Details

APN / Parcel Number

Primary APN	`30263229890001081G`
Alternative APN	`156614`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,617 sqft Heated Area
Gross Area	2,323 sqft
1st Floor Area	1,617 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,704 sqft (0.107 acres)
Lot Dimensions	112 ft deep x 42 ft wide
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156614
Street Address	3205 BAYFLOWER AVE
City	HARMONY
State	FL
Zip	34773-6081
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 81G
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY
Legal Tract	2989
Legal Block	1
Legal Lot Number	81G
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2204
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
Co-owner	Co-owner on Record
Mailing Address	3205 BAYFLOWER AVE, HARMONY, FL 34773-6081
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY LOAN SERVICING LLC
Nov 21, 2018	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2018 · Amount on Record
Deed Sale	Nov 21, 2018 · Amount on Record
Prior Sale	Feb 22, 2016 · Amount on Record
Deed Document Number	2018171393
Deed Book / Page	5436 / 2138
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3205 BAYFLOWER AVE, HARMONY, FL 34773-6081
Transaction Type	Mortgage
Record Updated	Apr 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 BAYFLOWER AVE, HARMONY, FL 34773-6081

Mortgage

Document Number	0061790603
Date	Mar 24, 2022
Book Page	6179/603
Instrument	2022047375

Lender

Name	COMMUNITY LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Dec 1, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2018
Property Address	3205 BAYFLOWER AVE, HARMONY, FL 34773-6081
Document Number	0054362138
Book / Page	5436 / 2138
Map Reference	MB19 PG163
Instrument Date	Nov 20, 2018
Instrument	2018171393
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14003 SANCTUARY VIEW TRL # TRL203, 14003, ORLANDO, FL 32832-6602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 BAYFLOWER AVE, HARMONY, FL 34773-6081

Mortgage

Document Number	2018171394
Date	Nov 21, 2018
Instrument	2018171394

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate

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	$5,773.00 (+5.97%) Homeowner's exemption	$219,742 (+5.99%)	$288,200 (-1.47%) Land $65,000 Building $223,200
2023	$5,448.00 (+5.89%) Homeowner's exemption	$207,331 (+3%)	$292,500 (+12.89%) Land $65,000 Building $227,500
2022	$5,145.00 Homeowner's exemption	$201,293	$259,100 Land $60,000 Building $199,100

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
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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