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3236 Oxbow Ct, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3236 Oxbow Ct, Harmony, FL 34773 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2022
Square Footage2,361 sqft Living Area
Lot Size6,969 sqft (0.16 acres)
OccupancyOwner Occupied
Last Sale$460,000 (2023)
Tax Bill$7,243.00 (2025)

Property Details

APN / Parcel Number

Primary APN20-26-32-3496-0001-0020
Alternative APN
  • 263220349600010020

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,361 sqft Living Area
Gross Area3,034 sqft Gross Area
1st Floor1,181 sqft 1st Floor
Stories2 Stories
Primary FlooringTile Flooring

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,969 sqft (0.16 acres)
Garage TypeAttached Garage
Garage Area440 sqft Garage
Porch Area169 sqft Porch

Utilities and HVAC

Heating SystemCentral Heating

Location & Zoning

Street Address3236 OXBOW CT
CityHARMONY
StateFL
Zip34773-6165
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 2
Legal Range32E
Legal Township26S
Legal Section20
Legal SubdivisionENCLAVE AT LAKES OF HARMONY
Legal Lot Number2
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records · APN 20-26-32-3496-0001-0020

Assessment roll updated November 26, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3236 OXBOW CT, HARMONY, FL 34773-6165
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 18, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
NONE LISTED ON DOCUMENT
Mar 04, 2026Intrafamily Transfer, Transfer
Sep 07, 2023Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
NFM INC
Jul 14, 2022Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
NORTHPOINT MORTGAGE INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 07, 2023 · Amount on Record
Deed SaleSep 07, 2023 · Amount on Record
Prior SaleJul 14, 2022 · Amount on Record
Deed Doc Number2023117771
Deed Book / Page6470 / 1191
Last Transfer DateDec 08, 2025
Transfer Doc0069312196
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 18, 2026
Property Address3236 OXBOW CT, HARMONY, FL 34773-6165
Document Number0000065046
Book / Page6972 / 2704
Instrument DateMar 17, 2026
Instrument202665046
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3236 OXBOW CT, HARMONY, FL 34773-6165

Mortgage

Document Number0000065046,
DateMay 18, 2026
Book Page6972/2704
Instrument202665046
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate6.01%
Max Rate-1%

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMar 04, 2026
Property Address3236 OXBOW CT, HARMONY, FL 34773-6165
Document Number0069312196
Book / Page6931 / 2196
Map ReferenceMB 31 PG 23-27
Instrument DateDec 08, 2025
Instrument2026028711
Transaction TypeTransfer
Record UpdatedMar 18, 2026

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3236 OXBOW CT, HARMONY, FL 34773-6165

Transferred To (Grantee/Buyer)

NameVerified Name
Address3236 OXBOW CT, HARMONY, FL 34773-6165

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 07, 2023
Property Address3236 OXBOW CT, HARMONY, FL 34773-6165
Document Number0064701191
Book / Page6470 / 1191
Map ReferenceMB 31 PG 23-27
Instrument DateSep 05, 2023
Instrument2023117771
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyMAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,220.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address97 MAGEE RD, RINGWOOD, NJ 07456-1106

Transferred To (Grantee/Buyer)

NameVerified Name
Address3236 OXBOW CT, HARMONY, FL 34773-6165

Mortgage

Document Number0064701193
DateSep 07, 2023
Instrument6470/1193
Lender
NameNFM INC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2053

July 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 14, 2022
Property Address3236 OXBOW CT, HARMONY, FL 34773-6165
Document Number0062511056
Book / Page6251 / 1056
Map ReferenceMB 31 PG 23-27
Instrument DateJun 27, 2022
Instrument2022108766
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyCLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,010.70
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9717 EAGLE CREEK CENTER BLVD STE 200, 200, ORLANDO, FL 32832-6346

Transferred To (Grantee/Buyer)

NameVerified Name
Address3236 OXBOW CT, HARMONY, FL 34773-6165
InvestorPossibly a Property Investor

Mortgage

Document Number0062511058
DateJul 14, 2022
Instrument6251/1058
Lender
NameNORTHPOINT MORTGAGE INC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$7,243.00 (+3.56%)$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

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 78% of the US · above 66% of Florida
Wildfire LikelihoodAbout 1 in 106 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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