3305 Schoolhouse Rd, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3305 Schoolhouse Rd, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,132 sqft · built 2006
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Jun 2026)
Tax Bill	$4,871 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`30-26-32-2612-0001-C022`

Property Details

APN / Parcel Number

Primary APN	`30-26-32-2612-0001-C022`
Alternative APNs	`26323026120001C022` `114233`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,132 sqft Living Area
Gross Area	5,657 sqft
1st Floor Area	2,420 sqft
Upper Floors Area	1,093 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Attached
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	416 sqft
Porch	Finished/Open Porch
Porch Area	993 sqft
Deck Area	367 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3305 SCHOOLHOUSE RD
City	HARMONY
State	FL
Zip	34773-6007
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 22C
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	BIRCHWOOD NBHDS B AND C
Legal Tract	2612
Legal Block	C022
Legal Lot Number	22C
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2105
Census Tract	43801

Owner

Source: Osceola County records, as of September 24, 2026

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	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 11, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 11, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 11, 2026	Quit Claim Deed, Transfer ANCONA TITLE, NONA TITLE
Dec 27, 2021	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Oct 30, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jan 22, 2019	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Prior Sale	Dec 27, 2021 · Amount on Record
Deed Document Number	202676910
Deed Book / Page	6986 / 1939
Prior Transfer Date	Feb 2, 2026
Prior Transfer Doc	0000076909
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007

Mortgage

Document Number	0059180917
Date	Mar 23, 2021
Book Page	5918/917
Instrument	2021042918

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Dec 1, 2049

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 11, 2026
Property Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007
Document Number	0000076910
Book / Page	6986 / 1939
Instrument Date	Jun 10, 2026
Instrument	202676910
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	ANCONA TITLE, NONA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007

Mortgage

Document Number	0000076911,
Date	Jun 11, 2026
Book Page	6986/1941
Instrument	202676911

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 11, 2026
Property Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007
Document Number	0069861939
Book / Page	6986 / 1939
Instrument Date	Jun 10, 2026
Instrument	202676910
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONA TITLE INC, NONA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007

Mortgage

Document Number	0000076911,
Date	Jun 11, 2026
Book Page	6986/1941
Instrument	202676911

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 11, 2026
Property Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007
Document Number	0000076909
Book / Page	6986 / 1937
Instrument Date	Feb 2, 2026
Instrument	202676909
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	ANCONA TITLE, NONA TITLE

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2021
Property Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007
Document Number	0061151419
Book / Page	6115 / 1419
Map Reference	MB 14 PG 67-73
Instrument Date	Dec 22, 2021
Instrument	2021198966
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3157 SHAMROCK ST E, 3157, TALLAHASSEE, FL 32309-2864

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007

Mortgage

Document Number	0061151425
Date	Dec 27, 2021
Instrument	6115/1425

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	385 Months
Due	Jan 1, 2054

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007
Document Number	0056171622
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3305 SCHOOLHOUSE RD HARMONY FL 347736007, HARMONY, FL 34773-6007

Mortgage

Document Number	0056171622
Date	Nov 4, 2019
Book Page	005617/001622
Instrument	142763

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 22, 2019
Property Address	3305 SCHOOLHOUSE RD, HARMONY, FL 34773-6007
Document Number	0054652659
Book / Page	005465 / 002659
Instrument Date	Jan 15, 2019
Instrument	8360
Transaction Type	Transfer
Record Updated	Feb 6, 2019
Title Company	PREMIER TITLE/CTRL FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,535.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 SCHOOLHOUSE RD HARMONY FL 347736007, HARMONY, FL 34773-6007

Mortgage

Document Number	54652661
Date	Jan 22, 2019
Book Page	005465/002661
Instrument	8361

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2049

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	$4,871.00 (+5.09%) Homeowner's exemption Veteran's exemption	$732,300 (+4.67%) Land $80,000 Building $652,300	$732,300 (+3.45%) Land $80,000 Building $652,300
2023	$4,635.00 (-65.19%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$699,606 (+8.55%)	$707,900 (+9.84%) Land $70,000 Building $637,900
2022	$13,315.00	$644,500 Land $65,000 Building $579,500	$644,500 Land $65,000 Building $579,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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