3220 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3220 Oxbow Ct, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 2022
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$353,200 (Aug 2022)
Tax Bill	$6,377 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202632349600010060`

Property Details

APN / Parcel Number

Primary APN	`202632349600010060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,580 sqft Heated Area
Gross Area	2,208 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3220 OXBOW CT
City	HARMONY
State	FL
Zip	34773-6165
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 6
Legal Subdivision	ENCLAVE AT LAKES OF HARMONY
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2087
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	3220 OXBOW CT, HARMONY, FL 34773-6165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on Record
Deed Sale	Aug 4, 2022 · Amount on Record
Deed Document Number	2022119563
Deed Book / Page	6263 / 1627
Record Updated	Jun 8, 2026

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2022
Property Address	3220 OXBOW CT, HARMONY, FL 34773-6165
Document Number	0062631627
Book / Page	6263 / 1627
Map Reference	MB 31 PG 23-27
Instrument Date	Jul 27, 2022
Instrument	2022119563
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 Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,472.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

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
Address	3220 OXBOW CT, HARMONY, FL 34773-6165

Mortgage

Document Number	0062631629
Date	Aug 4, 2022
Instrument	6263/1629

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

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	$6,377.00 (+3.89%) Homeowner's exemption	$313,000 (+1.66%) Land $65,000 Building $248,000	$313,000 (+1.66%) Land $65,000 Building $248,000
2023	$6,138.00 (+67.11%) Homeowner's exemption	$307,900 (+515.8%) Land $65,000 Building $242,900	$307,900 (+515.8%) Land $65,000 Building $242,900
2022	$3,673.00	$50,000 Land $50,000	$50,000 Land $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	High above 84% of the US · above 75% of Florida
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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