3309 Schoolhouse Rd, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3309 Schoolhouse Rd, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,447 sqft · built 2004
Lot Size	0.216 acres (9,409 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,420 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30263226120001C114`

Property Details

APN / Parcel Number

Primary APN	`30263226120001C114`
Alternative APN	`114325`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,447 sqft Heated Area
Gross Area	6,332 sqft
1st Floor Area	2,169 sqft
Upper Floors Area	1,794 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,409 sqft (0.216 acres)
Garage Type	Finished
Garage Area	483 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	270 sqft
Porch	Porch
Porch Area	1,181 sqft
Deck Area	514 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	114325
Street Address	3309 SCHOOLHOUSE RD
City	HARMONY
State	FL
Zip	34773-6008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BIRCHWOOD NEIGHBORHOODS B & C PB 14 PGS 67-73 LOT 114C
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY BIRCHWOOD NBC B C C2 D1
Legal Tract	2612
Legal Block	1
Legal Lot Number	114C
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 · APN 30263226120001C114

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	3309 SCHOOLHOUSE RD, HARMONY, FL 34773-6008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 11, 2013
Deed Sale	Apr 11, 2013
Prior Sale	Dec 18, 2012 · Amount on Record
Deed Document Number	2013057494
Deed Book / Page	4368 / 2693
Record Updated	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3309 SCHOOLHOUSE RD, HARMONY, FL 34773-6008
Document Number	0058332535
Instrument Date	Nov 05, 2020
Transaction Type	Mortgage
Record Updated	Dec 08, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3309 SCHOOLHOUSE RD HARMONY FL 347736008, HARMONY, FL 34773-6008

Mortgage

Document Number	0058332535
Date	Nov 16, 2020
Book Page	005833/002535
Instrument	156730

Lender

Name	ONE FLORIDA BK
Address	ORLANDO, FL 32803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,420.00 (+6.85%) Homeowner's exemption	$360,765 (+5.99%)	$707,600 (+3.68%) Land $80,000 Building $627,600
2023	$6,944.00 (+7.14%) Homeowner's exemption	$340,387 (+3%)	$682,500 (+10.05%) Land $70,000 Building $612,500
2022	$6,481.00 Homeowner's exemption	$330,473	$620,200 Land $65,000 Building $555,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 64 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force 60 of 64 on primary residences

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 435 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.