3412 Sagebrush St, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3412 Sagebrush St, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,534 sqft · built 2018
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$232,000 (Apr 2020)
Tax Bill	$3,634 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`292632329600010520`

Property Details

APN / Parcel Number

Primary APN	`292632329600010520`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,534 sqft Heated Area
Gross Area	2,139 sqft
1st Floor Area	1,534 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	185 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3412 SAGEBRUSH ST
City	HARMONY
State	FL
Zip	34773-6096
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY NEIGHBORHOOD I PB 24 PGS 110-119 LOT 52
Legal Range	32E
Legal Township	26S
Legal Section	29
Legal Subdivision	LAKES AT HARMONY - CALATLANTIC HOMES
Legal Tract	3296
Legal Lot Number	52
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2087
Census Tract	43801

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3412 SAGEBRUSH ST, HARMONY, FL 34773-6096
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA
Apr 17, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Mar 22, 2019	Grant Deed, Transfer CALATLANTIC TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2020 · Amount on Record
Deed Sale	Apr 17, 2020 · Amount on Record
Prior Sale	Mar 22, 2019 · Amount on Record
Deed Document Number	0057092951
Deed Book / Page	5709 / 2951
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3412 SAGEBRUSH ST, HARMONY, FL 34773-6096
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056600905
Date	Jan 17, 2020
Book Page	5660/0905
Instrument	2020009372

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 16, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 17, 2020
Property Address	3412 SAGEBRUSH ST, HARMONY, FL 34773-6096
Document Number	0057092951
Book / Page	5709 / 2951
Map Reference	MB 24 PG 110-119
Instrument Date	Apr 17, 2020
Instrument	2020053289
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6140 JOURNIGAN RD, 6140, SAINT CLOUD, FL 34773-9346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3412 SAGEBRUSH ST, SAINT CLOUD, FL 34773-6096

Mortgage

Document Number	0057092952
Date	Apr 17, 2020
Instrument	5709/2952

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 22, 2019
Property Address	3412 SAGEBRUSH ST, HARMONY, FL 34773-6096
Document Number	0054952637
Book / Page	005495 / 002637
Instrument Date	Mar 20, 2019
Instrument	36904
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3412 SAGEBRUSH ST HARMONY FL 347736096, HARMONY, FL 34773-6096

Tax Assessment & Valuation

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	$3,634.00 (+8.38%) Homeowner's exemption	$114,958 (+5.99%)	$268,400 (-6.58%) Land $60,000 Building $208,400
2023	$3,353.00 (+10.73%) Homeowner's exemption	$108,466 (+3%)	$287,300 (+18.92%) Land $65,000 Building $222,300
2022	$3,028.00 Homeowner's exemption	$105,307	$241,600 Land $60,000 Building $181,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	0.8% 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 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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