3461 Middlebrook Pl, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3461 Middlebrook Pl, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,240 sqft · built 2017
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$362,000 (Aug 2020)
Tax Bill	$9,869 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`292632329700010160`

Property Details

APN / Parcel Number

Primary APN	`292632329700010160`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,240 sqft Heated Area
Gross Area	4,124 sqft
1st Floor Area	1,822 sqft
Upper Floors Area	1,418 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3461 MIDDLEBROOK PL
City	HARMONY
State	FL
Zip	34773-6056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY NEIGHBORHOOD O-1 PB 25 PGS 76-82 LOT 16
Legal Range	32E
Legal Township	26S
Legal Section	29
Legal Subdivision	WATERSIDE AT HARMONY BY MERITAGE
Legal Tract	3297
Legal Lot Number	16
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 · APN 292632329700010160

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3461 MIDDLEBROOK PL, HARMONY, FL 34773-6056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Aug 10, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Aug 02, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 10, 2020 · Amount on Record
Deed Sale	Aug 10, 2020 · Amount on Record
Prior Sale	Aug 02, 2017 · Amount on Record
Deed Document Number	2020104973
Deed Book / Page	5771 / 1986
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3461 MIDDLEBROOK PL, HARMONY, FL 34773-6056
Transaction Type	Mortgage
Record Updated	May 04, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3461 MIDDLEBROOK PL, SAINT CLOUD, FL 34773-6056

Mortgage

Document Number	0061960705
Date	Apr 19, 2022
Book Page	6196/705
Instrument	2022061047

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 10, 2020
Property Address	3461 MIDDLEBROOK PL, HARMONY, FL 34773-6056
Document Number	0057711986
Book / Page	5771 / 1986
Map Reference	MB 25 PG 76-82
Instrument Date	Aug 05, 2020
Instrument	2020104973
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,534.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3465 MIDDLEBROOK PL, 3465, HARMONY, FL 34773-6056

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3461 MIDDLEBROOK PL, HARMONY, FL 34773-6056

Mortgage

Document Number	0057711987
Date	Aug 10, 2020
Instrument	5771/1987

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

August 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 02, 2017
Property Address	3461 MIDDLEBROOK PL, HARMONY, FL 34773-6056
Document Number	0051882180
Book / Page	5188 / 2180
Map Reference	MB25 PG76-82
Instrument Date	Aug 01, 2017
Instrument	2017112189
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,401.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 5337, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3461 MIDDLEBROOK PL, HARMONY, FL 34773-6056

Mortgage

Document Number	0051882183
Date	Aug 02, 2017
Instrument	5188/2183

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2047

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	$9,869.00 (+5.31%) Homeowner's exemption	$392,344 (+5.99%)	$421,600 (+2.16%) Land $68,200 Building $353,400
2023	$9,371.00 (+5.49%) Homeowner's exemption	$370,182 (+3%)	$412,700 (+14.83%) Land $60,000 Building $352,700
2022	$8,883.00 Homeowner's exemption	$359,400 Land $60,000 Building $299,400	$359,400 Land $60,000 Building $299,400

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

Wildfire

Wildfire Risk	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	About 1 in 126 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 103 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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