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3891 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3891 Sagefield Dr, Harmony, FL 34773

Property Summary

Property TypeVacant Land
Lot Size0.14 acres (6,098 sqft)
OwnerIndividual Name on Record
Last Sale$383,000 (Apr 2026)
Tax Bill$1,147 (2025)
Deeds & MortgagesMay 2026 Sale
Apr 2026 Sale & Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN32-26-32-3596-000A-0020

Property Details

APN / Parcel Number

Primary APN32-26-32-3596-000A-0020
Alternative APN
  • 2632323596000A0020

Exterior

Lot Area6,098 sqft (0.14 acres)

Location & Zoning

Street Address3891 SAGEFIELD DR
CityHARMONY
StateFL
Zip34773-6207
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionHARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK A LOT 2
Legal SubdivisionHARMONY CENTRAL PHASE 1
Legal BlockA
Legal Lot Number2
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3891 SAGEFIELD DR, HARMONY, FL 34773-6207
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 1, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Apr 13, 2026Special Warranty Deed, Transfer · VA Mortgage
ACRI MORTGAGE
Apr 13, 2026Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
MORTGAGE MORTGAGE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 13, 2026 · Amount on Record
Deed SaleApr 13, 2026 · Amount on Record
Prior SaleMar 1, 2024 · Amount on Record
Deed Document Number202648814
Deed Book / Page6954 / 1170
Last Transfer DateApr 30, 2026
Transfer Doc0000058003
Record UpdatedOct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMay 1, 2026
Property Address3891 SAGEFIELD DR, HARMONY, FL 34773-6207
Document Number0000058003
Book / Page6965 / 177
Instrument DateApr 30, 2026
Instrument202658003
Transaction TypeTransfer
Record UpdatedAug 28, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3891 SAGEFIELD DR, HARMONY, FL 34773-6207

April 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 13, 2026
Property Address3891 SAGEFIELD DR, HARMONY, FL 34773-6207
Document Number0000048814
Book / Page6954 / 1170
Instrument DateApr 9, 2026
Instrument202648814
Transaction TypeTransfer
Record UpdatedApr 22, 2026
Title CompanySOUTHERN TITLE HOLDINGS COMPANY LLC, SOUTHERN TITLE HOLDINGS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$270,781.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3891 SAGEFIELD DR, HARMONY, FL 34773-6207

Mortgage

Document Number0000048815,
DateApr 13, 2026
Instrument202648815
Lender
NameACRI MORTGAGE
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.98%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

April 2026: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 13, 2026
Property Address3891 SAGEFIELD DR, HARMONY, FL 34773-6207
Document Number0069541170
Book / Page6954 / 1170
Instrument DateApr 9, 2026
Instrument202648814
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 27, 2026
Title CompanySOUTHERN TITLE, SOUTHERN TITLE HOLDINGS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$270,781.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3891 SAGEFIELD DR, HARMONY, FL 34773-6207

Mortgage

Document Number0000048815,
DateApr 13, 2026
Instrument202648815
Lender
NameMORTGAGE MORTGAGE
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2056
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,147.00 (+51.12%)$60,000 (+2%) Land $60,000$60,000 (+2%) Land $60,000
2024$759.00 (+8.74%)
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

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 64 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies64 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

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

Wildfire RiskHigh
above 89% of the US · above 83% of Florida
Wildfire Likelihood1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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