3222 Bayflower Ave, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3222 Bayflower Ave, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,583 sqft · built 2007
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (May 2024)
Tax Bill	$8,931 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-26-32-2989-0001-069G`

Property Details

APN / Parcel Number

Primary APN	`30-26-32-2989-0001-069G`
Alternative APNs	`26323029890001069G` `156602`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,583 sqft Living Area
Gross Area	3,379 sqft
1st Floor Area	1,533 sqft
Upper Floors Area	1,050 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	127 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	376 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3222 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 69G
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY NBHDS G H F
Legal Tract	2989
Legal Block	69G
Legal Lot Number	69G
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2106
Census Tract	43801

Owner

3222 Bayflower Ave is owned and occupied by an individual who bought it in May 2024.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	3222 BAYFLOWER AVE, HARMONY, FL 34773-6080
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Deed of Trust, Mortgage · Line of Credit USF FCU
Jul 22, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Aug 30, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2024 · Amount on File
Deed Sale	May 29, 2024 · Amount on File
Prior Sale	Jul 22, 2021 · Amount on File
Deed Document Number	202470505
Deed Book / Page	6607 / 2287
Prior Transfer Date	Aug 24, 2018
Prior Transfer Doc	0053931900
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3222 BAYFLOWER AVE, HARMONY, FL 34773-6080
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3222 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	0065130363
Date	Dec 1, 2023
Book Page	6513/363
Instrument	2023157286

Lender

Name	USF FCU
Type	Credit Union
Address	TAMPA, FL 33646

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Nov 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 22, 2021
Property Address	3222 BAYFLOWER AVE, HARMONY, FL 34773-6080
Document Number	0060071568
Book / Page	6007 / 1568
Map Reference	MB 19 PG 163
Instrument Date	Jul 16, 2021
Instrument	2021113651
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6715 BASS HWY, 6715, SAINT CLOUD, FL 34771-8565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3222 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	60071570
Date	Jul 22, 2021
Instrument	6007/1570

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3222 BAYFLOWER AVE, HARMONY, FL 34773-6080
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3222 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	0058170457
Date	Oct 21, 2020
Book Page	5817/457
Instrument	2020142525

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 30, 2018
Property Address	3222 BAYFLOWER AVE, HARMONY, FL 34773-6080
Document Number	0053931900
Book / Page	5393 / 1900
Map Reference	MB19 PG163-176
Instrument Date	Aug 24, 2018
Instrument	2018131881
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3222 BAYFLOWER AVE, 3222, HARMONY, FL 34773-6080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3222 BAYFLOWER AVE, HARMONY, FL 34773-6080

Mortgage

Document Number	2018131882
Date	Aug 30, 2018
Instrument	2018131882

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3222 Bayflower Ave was $8,931, up 11.9% from the year before.

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	$8,931.00 (+11.86%)	$362,500 Land $65,000 Building $297,500	$362,500 Land $65,000 Building $297,500
2024	$7,984.00 (+1.98%)
2023	$7,829.00 (+5.31%) Homeowner's exemption	$335,368 (+3%)	$368,600 (+13.21%) Land $65,000 Building $303,600
2022	$7,434.00 Homeowner's exemption	$325,600 Land $60,000 Building $265,600	$325,600 Land $60,000 Building $265,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3222 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 3222 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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