3309 Cat Brier Trl, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3309 Cat Brier Trl, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 4,190 sqft · built 2009
Lot Size	0.174 acres (7,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,000 (Dec 2016)
Tax Bill	$9,256 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-26-32-2670-0001-0280`

Property Details

APN / Parcel Number

Primary APN	`30-26-32-2670-0001-0280`
Alternative APNs	`263230267000010280` `128849`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,190 sqft Living Area
Gross Area	5,453 sqft
1st Floor Area	2,360 sqft
Upper Floors Area	1,830 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,579 sqft (0.174 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	360 sqft
Porch	Finished/Open Porch
Porch Area	625 sqft
Deck Area	691 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3309 CAT BRIER TRL
City	HARMONY
State	FL
Zip	34773-6035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BIRCHWOOD NEIGHBORHOOD D-1 PB 17 PGS 80-81 LOT 28
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	BIRCHWOOD NBHD D1
Legal Tract	2670
Legal Block	1
Legal Lot Number	28
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2110
Census Tract	43801

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3309 CAT BRIER TRL, HARMONY, FL 34773-6035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Jan 11, 2022	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2016 · Amount on Record
Deed Sale	Dec 30, 2016 · Amount on Record
Prior Sale	Nov 1, 2010 · Amount on Record
Deed Document Number	2016191479
Deed Book / Page	5078 / 388
Prior Transfer Date	Mar 23, 2012
Prior Transfer Doc	0042471517
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3309 CAT BRIER TRL, HARMONY, FL 34773-6035
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3309 CAT BRIER TRL, HARMONY, FL 34773-6035

Mortgage

Document Number	0061270036
Date	Jan 11, 2022
Book Page	6127/36
Instrument	2022005741

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3309 CAT BRIER TRL, HARMONY, FL 34773-6035
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3309 CAT BRIER TRL, HARMONY, FL 34773-6035

Mortgage

Document Number	0061270049
Date	Jan 11, 2022
Book Page	6127/49
Instrument	2022005742

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3309 CAT BRIER TRL, HARMONY, FL 34773-6035
Transaction Type	Mortgage
Record Updated	Feb 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3309 CAT BRIER TRL, HARMONY, FL 34773-6035

Mortgage

Document Number	0058821318
Date	Feb 2, 2021
Book Page	5882/1318
Instrument	2021014675

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2046

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	$9,256.00 (+3.45%) Homeowner's exemption	$395,477 (+5.99%)	$596,700 (+3.34%) Land $80,000 Building $516,700
2024	$8,947.00 (+1.96%)
2023	$8,775.00 (+5.28%) Homeowner's exemption	$373,138 (+3%)	$577,400 (+9.71%) Land $70,000 Building $507,400
2022	$8,335.00 Homeowner's exemption	$362,270	$526,300 Land $65,000 Building $461,300

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 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach

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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