Osceola County property record for 3228 Oxbow Ct, Harmony, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,361 sqft · built 2022 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $374,800 (Aug 2022) |
| Tax Bill | $7,243 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-26-32-3496-0001-0040 |
| Primary APN | 20-26-32-3496-0001-0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,361 sqft Living Area |
| Gross Area | 3,034 sqft |
| 1st Floor Area | 1,181 sqft |
| Flooring | Tile |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 169 sqft |
| Heating System | Central |
|---|
| Street Address | 3228 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 4 |
| Legal Range | 32E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | ENCLAVE AT LAKES OF HARMONY |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2087 |
| Census Tract | 43801 |
Source: Osceola County records · APN 20-26-32-3496-0001-0040
Assessment roll updated November 26, 2025 · Last verified July 2026
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 |
|---|---|
| Mailing Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jul 07, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE |
| Jul 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Feb 14, 2024 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Oct 01, 2025 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Nov 14, 2024 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Aug 10, 2022 | Special Warranty Deed, Transfer · FHA Mortgage ABSOLUTE HOME MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 10, 2022 · Amount on Record |
| Deed Sale | Aug 10, 2022 · Amount on Record |
| Deed Document Number | 2022122465 |
| Deed Book / Page | 6266 / 1736 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 07, 2026 |
| Property Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Document Number | 0000088842 |
| Book / Page | 7000 / 264 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202688842 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Document Number | 0000088842, |
|---|---|
| Date | Jul 07, 2026 |
| Book Page | 7000/264 |
| Instrument | 202688842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 314 Months |
| Due | Sep 01, 2052 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Document Number | 0064470205 |
|---|---|
| Date | Jul 27, 2023 |
| Book Page | 6447/205 |
| Instrument | 2023096828 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Document Number | 0065491203 |
|---|---|
| Date | Feb 14, 2024 |
| Book Page | 6549/1203 |
| Instrument | 2024019370 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Document Number | 0068570382 |
|---|---|
| Date | Oct 01, 2025 |
| Book Page | 6857/382 |
| Instrument | 2025121202 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Document Number | 0066962272 |
|---|---|
| Date | Nov 14, 2024 |
| Book Page | 6696/2272 |
| Instrument | 2024145475 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | Sep 01, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 10, 2022 |
| Property Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Document Number | 0062661736 |
| Book / Page | 6266 / 1736 |
| Map Reference | MB 31 PG 23-27 |
| Instrument Date | Jul 05, 2022 |
| Instrument | 2022122465 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | CLEAR TITLE OF FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,623.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9717 EAGLE CREEK CENTER BLVD STE 200, 200, ORLANDO, FL 32832-6346 |
| Name | Verified Name |
|---|---|
| Address | 3228 OXBOW CT, HARMONY, FL 34773-6165 |
| Document Number | 0062661738 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 6266/1738 |
| Name | ABSOLUTE HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $7,243.00 (+3.56%) Homeowner's exemption | $375,500 (+1.71%) Land $65,000 Building $310,500 | $375,500 (+1.71%) Land $65,000 Building $310,500 |
| 2023 | $6,994.00 (+212.23%) Homeowner's exemption | $369,200 (+638.4%) Land $65,000 Building $304,200 | $369,200 (+638.4%) Land $65,000 Building $304,200 |
| 2022 | $2,240.00 | $50,000 Land $50,000 | $50,000 Land $50,000 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | High above 84% of the US · above 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Lumen Technologies.
Based on FCC filings for 238 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY EASTERN private · serves 110,102 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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