3490 Sagebrush St, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3490 Sagebrush St, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,426 sqft · built 2018
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Sep 2018)
Tax Bill	$4,142 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`292632329600010910`

Property Details

APN / Parcel Number

Primary APN	`292632329600010910`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,426 sqft Heated Area
Gross Area	2,080 sqft
1st Floor Area	1,426 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	5,227 sqft (0.119 acres)
Garage Type	Finished
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	227 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3490 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 91
Legal Range	32E
Legal Township	26S
Legal Section	29
Legal Subdivision	LAKES AT HARMONY - CALATLANTIC HOMES
Legal Tract	3296
Legal Lot Number	91
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	3490 SAGEBRUSH ST, HARMONY, FL 34773-6096
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
Sep 4, 2018	Special Warranty Deed, Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2018 · Amount on Record
Deed Sale	Sep 4, 2018 · Amount on Record
Prior Sale	Sep 30, 2016 · Amount on Record
Deed Document Number	2018133404
Deed Book / Page	5395 / 1840
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3490 SAGEBRUSH ST, HARMONY, FL 34773-6096
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3490 SAGEBRUSH ST, SAINT CLOUD, FL 34773-6096

Mortgage

Document Number	0061952928
Date	Apr 19, 2022
Book Page	6195/2928
Instrument	2022060834

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3490 SAGEBRUSH ST, HARMONY, FL 34773-6096
Document Number	0056871106
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	May 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3490 SAGEBRUSH ST ST CLOUD FL 347736096, ST CLOUD, FL 34773-6096

Mortgage

Document Number	0056871106
Date	Mar 6, 2020
Book Page	005687/001106
Instrument	33135

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

September 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 4, 2018
Property Address	3490 SAGEBRUSH ST, HARMONY, FL 34773-6096
Document Number	0053951840
Book / Page	5395 / 1840
Map Reference	MB24 PG110
Instrument Date	Aug 23, 2018
Instrument	2018133404
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE # AVE220, 444, WINTER PARK, FL 32789-4224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3490 SAGEBRUSH ST, SAINT CLOUD, FL 34773-6096

Mortgage

Document Number	2018133405
Date	Sep 4, 2018
Instrument	2018133405

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

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	$4,142.00 (+5.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$197,017 (+5.99%)	$258,600 (-6.54%) Land $60,000 Building $198,600
2023	$3,934.00 (+7.72%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$185,889 (+3%)	$276,700 (+18.96%) Land $65,000 Building $211,700
2022	$3,652.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$180,475	$232,600 Land $60,000 Building $172,600

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 81% of the US · above 71% of Florida
Wildfire Likelihood	0.6% 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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