3208 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3208 Oxbow Ct, Harmony, FL 34773 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	4 Baths
Year Built	Built 2022
Square Footage	2,732 sqft Heated Area
Lot Size	4,792 sqft (0.11 acres)
Occupancy	Owner Occupied
Last Sale	$451,000 (2022)
Tax Bill	$8,074.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`202632349600010090`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Partial Baths	1 Partial Baths
Building Area	2,732 sqft Heated Area
Gross Area	3,518 sqft Gross Area
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2022
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	238 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3208 OXBOW CT
City	HARMONY
State	FL
Zip	34773-6165
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 9
Legal Subdivision	ENCLAVE AT LAKES OF HARMONY
Legal Lot Number	9
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 202632349600010090

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	3208 OXBOW CT, HARMONY, FL 34773-6165
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	Sep 23, 2022 · Amount on Record
Deed Sale	Sep 23, 2022 · Amount on Record
Deed Doc Number	2022144147
Deed Book / Page	6290 / 1889
Record Refreshed	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 23, 2022
Property Address	3208 OXBOW CT, HARMONY, FL 34773-6165
Document Number	0062901889
Book / Page	6290 / 1889
Map Reference	MB 31 PG 23-27
Instrument Date	Sep 13, 2022
Instrument	2022144147
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	$3,157.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

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
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	3939 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Mortgage

Document Number	0062901891
Date	Sep 23, 2022
Instrument	6290/1891

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$8,074.00 (+3.33%) Homeowner's exemption	$435,500 (+1.78%) Land $65,000 Building $370,500	$435,500 (+1.78%) Land $65,000 Building $370,500
2023	$7,814.00 (+248.84%) Homeowner's exemption	$427,900 (+755.8%) Land $65,000 Building $362,900	$427,900 (+755.8%) Land $65,000 Building $362,900
2022	$2,240.00	$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 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; lenders make the official flood determination.