3313 Bracken Fern Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3313 Bracken Fern Dr, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,781 sqft · built 2004
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$312,500 (Oct 2021)
Tax Bill	$7,495 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30263226120001B051`

Property Details

APN / Parcel Number

Primary APN	`30263226120001B051`
Alternative APN	`114156`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,781 sqft Heated Area
Gross Area	2,777 sqft
1st Floor Area	1,781 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Garage Type	Detached - Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	512 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	114156
Street Address	3313 BRACKEN FERN DR
City	HARMONY
State	FL
Zip	34773-6038
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 51B
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	51B
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2181
Census Tract	43801

Owner

3313 Bracken Fern Dr is owned and occupied by an individual who bought it in October 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	3313 BRACKEN FERN DR, HARMONY, FL 34773-6038
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2021 · Amount on File
Deed Sale	Oct 12, 2021 · Amount on File
Prior Sale	Aug 3, 2005 · Amount on File
Deed Document Number	2021158235
Deed Book / Page	6063 / 634
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 12, 2021
Property Address	3313 BRACKEN FERN DR, HARMONY, FL 34773-6038
Document Number	0060630634
Book / Page	6063 / 634
Map Reference	MB 14 PG 67-73
Instrument Date	Oct 8, 2021
Instrument	2021158235
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,187.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3313 BRACKEN FERN DR, 3313, HARMONY, FL 34773-6038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3313 BRACKEN FERN DR, HARMONY, FL 34773-6038

Mortgage

Document Number	6063636
Date	Oct 12, 2021
Instrument	6063/636

Lender

Name	PANORAMA MORTGAGE GROUP LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3313 Bracken Fern Dr was $7,495.

Source: Osceola County assessment roll, as of July 1, 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	$7,495.00	$291,200 Land $65,000 Building $226,200	$291,200 Land $65,000 Building $226,200
2023	$7,278.00 (+8.89%)	$286,800 (+10.05%) Land $65,000 Building $221,800	$286,800 (+10.05%) Land $65,000 Building $221,800
2022	$6,684.00	$260,600 Land $60,000 Building $200,600	$260,600 Land $60,000 Building $200,600

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

Flood

FEMA maps place 3313 Bracken Fern Dr in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 3313 Bracken Fern Dr is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 68% 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 197 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
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20