3216 Bayflower Ave, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3216 Bayflower Ave, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,947 sqft · built 2015
Lot Size	0.151 acres (6,577 sqft)
Owner	2 Individual Names on File
Last Sale	$634,500 (Jul 2026)
Tax Bill	$7,803 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-26-32-2989-0001-072G`

Property Details

APN / Parcel Number

Primary APN	`30-26-32-2989-0001-072G`
Alternative APNs	`26323029890001072G` `156605`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,947 sqft Living Area
Gross Area	3,673 sqft
1st Floor Area	1,605 sqft
Upper Floors Area	1,342 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,577 sqft (0.151 acres)
Lot Dimensions	127 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	517 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	384 sqft
Porch	Florida Room
Porch Area	209 sqft
Deck Area	656 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3216 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 72G
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY NBHDS G H F
Legal Tract	2989
Legal Block	72G
Legal Lot Number	72G
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2106
Census Tract	43801

Owner

3216 Bayflower Ave is owned and occupied by two individuals who bought it in July 2026.

Source: Osceola County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3216 BAYFLOWER AVE, HARMONY, FL 34773-6080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Warranty Deed, Transfer · VA Mortgage ZILLOW HOME LOANS LLC
Dec 30, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2026 · Amount on File
Deed Sale	Jul 29, 2026 · Amount on File
Prior Sale	Apr 10, 2015 · Amount on File
Deed Document Number	202699160
Deed Book / Page	7011 / 1438
Prior Transfer Date	Dec 5, 2012
Prior Transfer Doc	0043671678
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 29, 2026
Property Address	3216 BAYFLOWER AVE, HARMONY, FL 34773-6080
Document Number	0000099160
Book / Page	7011 / 1438
Instrument Date	Jul 28, 2026
Instrument	202699160
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$448,591.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3216 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	0000099161,
Date	Jul 29, 2026
Instrument	202699161

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3216 BAYFLOWER AVE, HARMONY, FL 34773-6080
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3216 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	0058612328
Date	Dec 30, 2020
Book Page	5861/2328
Instrument	2020177280

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	265 Months
Due	Jan 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 3216 Bayflower Ave was $7,803 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 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	$7,803.00 Homeowner's exemption	$321,911	$446,000 Land $65,000 Building $381,000
2023	$7,387.00 (+5.47%) Homeowner's exemption	$303,728 (+3%)	$447,200 (+12.36%) Land $65,000 Building $382,200
2022	$7,004.00 Homeowner's exemption	$294,882	$398,000 Land $60,000 Building $338,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3216 Bayflower Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3216 Bayflower Ave is moderate, ranking above 68% of the US, with a 0.3% annual chance of 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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