Osceola County property record for 3780 Sagefield Dr, Harmony, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,211 sqft · built 2023 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $420,900 (Dec 2023) |
| Tax Bill | $4,864 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 3226323596000K0310 |
| Primary APN | 3226323596000K0310 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,211 sqft Heated Area |
| Gross Area | 2,790 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| 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 | 105 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3780 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 31 |
| Legal Phase | 1 |
| Legal Block | K |
| Legal Lot Number | 31 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2087 |
| Census Tract | 43801 |
Source: Osceola County records · APN 3226323596000K0310
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 Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3780 SAGEFIELD DR, HARMONY, FL 34773-6204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 08, 2023 · Amount on Record |
| Deed Sale | Dec 08, 2023 · Amount on Record |
| Deed Document Number | 0065172756 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3780 SAGEFIELD DR, HARMONY, FL 34773-6204 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 325 E UNIVERSITY BLVD 132, 132, MELBOURNE, FL 32901-7078 |
| Document Number | 0065172757 |
|---|---|
| Date | Dec 12, 2023 |
| Book Page | 6517/2757 |
| Instrument | 2023161511 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,864.00 (+596.85%) Homeowner's exemption | $340,496 (+580.99%) | $342,100 (+584.2%) Land $60,000 Building $282,100 |
| 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 |
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
| 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 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 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.
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.
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 |
| 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.
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