3675 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3675 Sagefield Dr, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,419 sqft · built 2024
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$360,900 (Jun 2024)
Tax Bill	$4,059 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`32-26-32-3596-000J-0030`

Property Details

APN / Parcel Number

Primary APN	`32-26-32-3596-000J-0030`
Alternative APN	`2632323596000J0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,419 sqft Living Area
Gross Area	1,974 sqft
1st Floor Area	1,419 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Florida Room
Porch Area	70 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3675 SAGEFIELD DR
City	HARMONY
State	FL
Zip	34773-6203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK J LOT 3
Legal Subdivision	HARMONY CENTRALPHASE 1
Legal Block	J
Legal Lot Number	3
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 32-26-32-3596-000J-0030

Assessment roll updated November 26, 2025 · Last verified July 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 File
Mailing Address	3675 SAGEFIELD DR, HARMONY, FL 34773-6203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 04, 2024 · Amount on Record
Deed Sale	Jun 04, 2024 · Amount on Record
Deed Document Number	202473757
Deed Book / Page	6611 / 1960
Record Updated	Sep 20, 2026

June 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 04, 2024
Property Address	3675 SAGEFIELD DR, HARMONY, FL 34773-6203
Document Number	0066111960
Book / Page	6611 / 1960
Map Reference	MB 32 PG 120-133
Instrument Date	May 31, 2024
Instrument	2024073757
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,526.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 W GARDEN ST, PENSACOLA, FL 32502-5618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3675 SAGEFIELD DR, HARMONY, FL 34773-6203

Mortgage

Document Number	2024073760
Date	Jun 04, 2024
Instrument	2024073760

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,059.00 (+481.52%)	$282,400 (+464.8%) Land $60,000 Building $222,400	$282,400 (+464.8%) Land $60,000 Building $222,400
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 as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire

Wildfire Risk	Very High above 90% of the US · above 84% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	8,000 / 8,000
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 77 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.