3463 Sagebrush St, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3463 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 (4,791 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,900 (Oct 2022)
Tax Bill	$5,743 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-26-32-3296-0001-1040`

Property Details

APN / Parcel Number

Primary APN	`29-26-32-3296-0001-1040`
Alternative APN	`263229329600011040`

Interior

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

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,791 sqft (0.11 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	185 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3463 SAGEBRUSH ST
City	HARMONY
State	FL
Zip	34773-6098
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY NEIGHBORHOOD I PB 24 PGS 110-119 LOT 104
Legal Range	32E
Legal Township	26S
Legal Section	29
Legal Subdivision	HARMONY NBHD I
Legal Tract	3296
Legal Block	1040
Legal Lot Number	104
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2099
Census Tract	43801

Owner

Source: Osceola County records, as of April 29, 2026

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 Record
Mailing Address	3463 SAGEBRUSH ST, HARMONY, FL 34773-6098
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 20, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 18, 2022	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Aug 23, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Jul 9, 2019	Special Warranty Deed, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2022 · Amount on Record
Deed Sale	Oct 18, 2022 · Amount on Record
Prior Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	2022153756
Deed Book / Page	6301 / 27
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3463 SAGEBRUSH ST, HARMONY, FL 34773-6098
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058720642
Date	Jan 19, 2021
Book Page	5872/642
Instrument	2021007453

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Aug 1, 2050

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2026
Property Address	3463 SAGEBRUSH ST, HARMONY, FL 34773-6098
Document Number	0000051674
Book / Page	6957 / 2632
Instrument Date	Apr 13, 2026
Instrument	202651674
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FREEDOM MORTGAGE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3463 SAGEBRUSH ST, HARMONY, FL 34773-6098

Mortgage

Document Number	0000051674,
Date	Apr 20, 2026
Book Page	6957/2632
Instrument	202651674

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 18, 2022
Property Address	3463 SAGEBRUSH ST, HARMONY, FL 34773-6098
Document Number	0063010027
Book / Page	6301 / 27
Map Reference	MB 24 PG 110
Instrument Date	Oct 14, 2022
Instrument	2022153756
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,288.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3463 SAGEBRUSH ST, HARMONY, FL 34773-6098

Mortgage

Document Number	0000630129
Date	Oct 18, 2022
Instrument	6301/29

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 23, 2022
Property Address	3463 SAGEBRUSH ST, HARMONY, FL 34773-6098
Document Number	0062731880
Book / Page	6273 / 1880
Map Reference	MB 24 PG 110
Instrument Date	Aug 20, 2022
Instrument	2022128990
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	633 SCOTCHGATE TER, DELAND, FL 32724-7833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 9, 2019
Property Address	3463 SAGEBRUSH ST, HARMONY, FL 34773-6098
Document Number	0055532750
Book / Page	5553 / 2750
Map Reference	MB 24 PG 110
Instrument Date	Jun 28, 2019
Instrument	2019087931
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,577.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3463 SAGEBRUSH ST, SAINT CLOUD, FL 34773-6098

Mortgage

Document Number	0055532754
Date	Jul 9, 2019
Instrument	5553/2754

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,743.00 (+4.53%) Homeowner's exemption	$267,231 (-2.11%)	$269,700 (-6.06%) Land $60,000 Building $209,700
2024	$5,494.00 (-2.78%)
2023	$5,651.00 (+30.6%) Homeowner's exemption	$273,003 (+37.69%)	$287,100 (+19.23%) Land $65,000 Building $222,100
2022	$4,327.00 Homeowner's exemption	$198,275	$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 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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