Osceola County property record for 3858 Sagefield Dr, Harmony, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,472 sqft · built 2023 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $399,900 (Aug 2023) |
| Tax Bill | $5,227 (2025) |
| Deeds & Mortgages | Mar 2025 Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 3226323596000K0440 |
| Primary APN | 3226323596000K0440 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,472 sqft Heated Area |
| Gross Area | 3,099 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 |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3858 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 44 |
| Legal Phase | 1 |
| Legal Block | K |
| Legal Lot Number | 44 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2130 |
| Census Tract | 43801 |
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 | 3858 SAGEFIELD DR, HARMONY, FL 34773-6204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual, Secondary Company |
| Date | Document |
|---|---|
| Mar 24, 2025 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 21, 2023 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage ACOPIA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2023 · Amount on Record |
| Deed Sale | Aug 21, 2023 · Amount on Record |
| Deed Document Number | 2023109687 |
| Deed Book / Page | 6461 / 386 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3858 SAGEFIELD DR, HARMONY, FL 34773-6204 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3858 SAGEFIELD DR, HARMONY, FL 34773-6204 |
| Document Number | 0067590531 |
|---|---|
| Date | Mar 24, 2025 |
| Book Page | 6759/531 |
| Instrument | 2025036697 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 1, 2065 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 21, 2023 |
| Property Address | 3858 SAGEFIELD DR, HARMONY, FL 34773-6204 |
| Document Number | 0064610386 |
| Book / Page | 6461 / 386 |
| Map Reference | MB 32 PG 120-133 |
| Instrument Date | Aug 17, 2023 |
| Instrument | 2023109687 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | SOUTHERN TITLE HLDG CO LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,799.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 W GARDEN ST, PENSACOLA, FL 32502-5618 |
| Name | Verified Name |
|---|---|
| Address | 3858 SAGEFIELD DR, SAINT CLOUD, FL 34773-6204 |
| Document Number | 0006461387 |
|---|---|
| Date | Aug 21, 2023 |
| Instrument | 6461/387 |
| Name | ACOPIA LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Number | 0064610400 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 6461/400 |
| Instrument | 2023109689 |
| Name | ACOPIA LLC |
|---|---|
| Type | Mortgage Company |
| Address | GOODLETTSVILLE, TN 37072 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,227.00 (+648.85%) Homeowner's exemption | $366,735 (+633.47%) | $367,900 (+635.8%) Land $60,000 Building $307,900 |
| 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.
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 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.
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.
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 |
| 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.
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 |
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