3885 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3885 Sagefield Dr, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$406,900 (May 2025)
Tax Bill	$1,544 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`3226323596000A0010`

Property Details

APN / Parcel Number

Primary APN	`3226323596000A0010`

Exterior

Lot Area	6,098 sqft (0.139 acres)

Location & Zoning

Street Address	3885 SAGEFIELD DR
City	HARMONY
State	FL
Zip	34773-6207
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK A LOT 1
Legal Phase	1
Legal Block	A
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2130
Census Tract	43801

Owner

Source: Osceola County records · APN 3226323596000A0010

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3885 SAGEFIELD DR, HARMONY, FL 34773-6207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 02, 2025 · Amount on Record
Deed Sale	May 02, 2025 · Amount on Record
Deed Document Number	2025055911
Deed Book / Page	6781 / 2536
Record Updated	Jun 08, 2026

May 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 02, 2025
Property Address	3885 SAGEFIELD DR, HARMONY, FL 34773-6207
Document Number	0067812536
Book / Page	6781 / 2536
Map Reference	MB 32 PG 120
Instrument Date	Apr 30, 2025
Instrument	2025055911
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	$2,848.30
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	3885 SAGEFIELD DR, HARMONY, FL 34773-6207

Mortgage

Document Number	0067812537
Date	May 02, 2025
Instrument	6781/2537

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2055

Tax Assessment & Valuation

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

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	$1,544.00 (+121.2%)	$60,000 (+2%) Land $60,000	$60,000 (+2%) Land $60,000
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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 64 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force

Wildfire

Wildfire Risk	High above 90% of the US · above 83% of Florida
Wildfire Likelihood	About 1 in 75 per year
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.

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

Provider	Technology	Download / Upload (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

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