3304 Primrose Willow Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3304 Primrose Willow Dr, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,048 sqft · built 2004
Lot Size	0.203 acres (8,842 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,000 (Jun 2021)
Tax Bill	$7,376 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-26-32-2612-0001-C116`

Property Details

APN / Parcel Number

Primary APN	`30-26-32-2612-0001-C116`
Alternative APNs	`26323026120001C116` `114327`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,048 sqft Living Area
Gross Area	2,855 sqft
1st Floor Area	2,048 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,842 sqft (0.203 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	323 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3304 PRIMROSE WILLOW DR
City	HARMONY
State	FL
Zip	34773-6013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BIRCHWOOD NEIGHBORHOODS B & C PB 14 PGS 67-73 LOT 116C
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	BIRCHWOOD NBHDS B AND C
Legal Tract	2612
Legal Block	C116
Legal Lot Number	116C
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2089
Census Tract	43801

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3304 PRIMROSE WILLOW DR, SAINT CLOUD, FL 34773-6013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Aug 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU
Jul 3, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Oct 15, 2004 · Amount on Record
Deed Document Number	202187525
Deed Book / Page	5974 / 870
Prior Transfer Date	Jun 27, 2019
Prior Transfer Doc	0055512232
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2021
Property Address	3304 PRIMROSE WILLOW DR, SAINT CLOUD, FL 34773-6013
Document Number	0059740870
Book / Page	5974 / 870
Map Reference	MB 14 PG 67
Instrument Date	May 28, 2021
Instrument	2021087525
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,233.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3326 CAT BRIER TRL, HARMONY, FL 34773-6029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3304 PRIMROSE WILLOW DR, HARMONY, FL 34773-6013

Mortgage

Document Number	0005974871
Date	Jun 4, 2021
Instrument	5974/871

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3304 PRIMROSE WILLOW DR, HARMONY, FL 34773-6013
Document Number	0055842527
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 18, 2019
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3304 PRIMROSE WILLOW DR HARMONY FL 347736013, HARMONY, FL 34773-6013

Mortgage

Document Number	0055842527
Date	Sep 6, 2019
Book Page	005584/002527
Instrument	114917

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 3, 2019
Property Address	3304 PRIMROSE WILLOW DR, HARMONY, FL 34773-6013
Document Number	0055512232
Book / Page	005551 / 002232
Instrument Date	Jun 27, 2019
Instrument	85989
Transaction Type	Transfer
Record Updated	Jul 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3322 CAT BRIER TRL HARMONY FL 347736029, HARMONY, FL 34773-6029

Tax Assessment & Valuation

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	$7,376.00 (+3.68%) Homeowner's exemption	$326,735 (+5.99%)	$335,600 (+1.76%) Land $65,000 Building $270,600
2024	$7,114.00 (+1.99%)
2023	$6,975.00 (+5.31%) Homeowner's exemption	$308,279 (+3%)	$329,800 (+10.19%) Land $65,000 Building $264,800
2022	$6,623.00 Homeowner's exemption	$299,300 Land $60,000 Building $239,300	$299,300 Land $60,000 Building $239,300

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

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	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% 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 145 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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