1. Home
  2. Florida
  3. Osceola County
  4. Harmony
  5. Sagefield Dr

3654 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3654 Sagefield Dr, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,314 sqft · built 2024
Lot Size0.11 acres (4,792 sqft)
OwnerIndividual Name on File
Last Sale$432,900 (Jun 2025)
Tax Bill$5,579 (2025)
Deeds & MortgagesJun 2025 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN3226323596000K0100

Property Details

APN / Parcel Number

Primary APN3226323596000K0100

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,314 sqft Heated Area
Gross Area2,868 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialFiber Cement Siding
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area4,792 sqft (0.11 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area91 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3654 SAGEFIELD DR
CityHARMONY
StateFL
Zip34773-6204
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK K LOT 10
Legal Phase1
Legal BlockK
Legal Lot Number10
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records · APN 3226323596000K0100

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3654 SAGEFIELD DR, HARMONY, FL 34773-6204
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 03, 2025 · Amount on Record
Deed SaleJun 03, 2025 · Amount on Record
Deed Document Number2025069564
Deed Book / Page6797 / 2638
Record UpdatedJun 08, 2026

June 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 03, 2025
Property Address3654 SAGEFIELD DR, HARMONY, FL 34773-6204
Document Number0067972638
Book / Page6797 / 2638
Map ReferenceMB 32 PG 120
Instrument DateMay 29, 2025
Instrument2025069564
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanySOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,030.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address100 W GARDEN ST, PENSACOLA, FL 32502-5618

Transferred To (Grantee/Buyer)

NameVerified Name
Address3654 SAGEFIELD DR, HARMONY, FL 34773-6204

Mortgage

Document Number0067972639
DateJun 03, 2025
Instrument6797/2639
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2055

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,579.00 (+699.28%)$351,300 (+602.6%) Land $60,000 Building $291,300$351,300 (+602.6%) Land $60,000 Building $291,300
2023$698.00 (+1,044.26%)$50,000 (+1,036.36%) Land $50,000$50,000 (+1,036.36%) Land $50,000
2022$61.00$4,400 Land $4,400$4,400 Land $4,400

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 64 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies64 in force

Wildfire

Wildfire RiskVery High
above 91% of the US · above 85% of Florida
Wildfire LikelihoodAbout 1 in 74 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 77 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Hotwire CommunicationsFiber8,000 / 8,000
SpectrumFiber1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

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

Nearby Properties on Sagefield Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures