3450 Sagebrush St, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3450 Sagebrush St, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,534 sqft · built 2019
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$206,300 (Jan 2020)
Tax Bill	$5,960 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`292632329600010710`

Property Details

APN / Parcel Number

Primary APN	`292632329600010710`

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 2019
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
Porch	Open Porch
Porch Area	185 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3450 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 71
Legal Range	32E
Legal Township	26S
Legal Section	29
Legal Subdivision	LAKES AT HARMONY - CALATLANTIC HOMES
Legal Tract	3296
Legal Lot Number	71
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
Mailing Address	3450 SAGEBRUSH ST, HARMONY, FL 34773-6096
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 30, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jan 29, 2020	Special Warranty Deed, Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2020 · Amount on Record
Deed Sale	Jan 29, 2020 · Amount on Record
Prior Sale	Sep 30, 2016 · Amount on Record
Deed Document Number	2020013983
Deed Book / Page	5665 / 1083
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3450 SAGEBRUSH ST, HARMONY, FL 34773-6096
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3450 SAGEBRUSH ST, SAINT CLOUD, FL 34773-6096

Mortgage

Document Number	0064291416
Date	Jun 22, 2023
Book Page	6429/1416
Instrument	2023081137

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3450 SAGEBRUSH ST, HARMONY, FL 34773-6096
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3450 SAGEBRUSH ST, SAINT CLOUD, FL 34773-6096

Mortgage

Document Number	0058412148
Date	Nov 30, 2020
Book Page	5841/2148
Instrument	2020162469

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

January 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 29, 2020
Property Address	3450 SAGEBRUSH ST, HARMONY, FL 34773-6096
Document Number	0056651083
Book / Page	5665 / 1083
Map Reference	MB 24 PG110
Instrument Date	Jan 27, 2020
Instrument	2020013983
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,444.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3450 SAGEBRUSH ST, SAINT CLOUD, FL 34773-6096

Mortgage

Document Number	0056651087
Date	Jan 29, 2020
Instrument	5665/1087

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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	$5,960.00 (+5.75%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$177,084 (+5.99%)	$268,100 (-6.62%) Land $60,000 Building $208,100
2023	$5,636.00 (+6.58%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$167,082 (+3%)	$287,100 (+19.23%) Land $65,000 Building $222,100
2022	$5,288.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$162,216	$240,800 Land $60,000 Building $180,800

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	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.9% 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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