3762 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3762 Sagefield Dr, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,418 sqft · built 2024
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$363,900 (Jul 2024)
Tax Bill	$4,017 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`3226323596000K0280`

Property Details

APN / Parcel Number

Primary APN	`3226323596000K0280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,418 sqft Heated Area
Gross Area	1,973 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3762 SAGEFIELD DR
City	HARMONY
State	FL
Zip	34773-6204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK K LOT 28
Legal Phase	1
Legal Block	K
Legal Lot Number	28
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2087
Census Tract	43801

Owner

3762 Sagefield Dr is owned and occupied by an individual who bought it in July 2024.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3762 SAGEFIELD DR, HARMONY, FL 34773-6204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2024 · Amount on File
Deed Sale	Jul 2, 2024 · Amount on File
Deed Document Number	2024086879
Deed Book / Page	6627 / 564
Record Updated	Jun 8, 2026

July 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2024
Property Address	3762 SAGEFIELD DR, HARMONY, FL 34773-6204
Document Number	0066270564
Book / Page	6627 / 564
Map Reference	MB 32 PG 120-133
Instrument Date	Jun 28, 2024
Instrument	2024086879
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,547.30
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	3762 SAGEFIELD DR, HARMONY, FL 34773-6204

Mortgage

Document Number	2024086880
Date	Jul 2, 2024
Instrument	2024086880

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 3762 Sagefield Dr was $4,017 with a homeowner's exemption.

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	$4,017.00 Homeowner's exemption	$279,400 Land $60,000 Building $219,400	$279,400 Land $60,000 Building $219,400
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

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

Flood

FEMA maps place 3762 Sagefield Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 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 File 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

Wildfire risk around 3762 Sagefield Dr is high, ranking above 89% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 89% of the US · above 83% of Florida
Wildfire Likelihood	1% 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-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
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, 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 77 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20