3945 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3945 Sagefield Dr, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,673 sqft · built 2024
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$375,900 (Jan 2025)
Tax Bill	$4,896 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`3226323596000A0100`

Property Details

APN / Parcel Number

Primary APN	`3226323596000A0100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,673 sqft Heated Area
Gross Area	2,240 sqft
Flooring	Carpet
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	32 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3945 SAGEFIELD DR
City	HARMONY
State	FL
Zip	34773-6207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK A LOT 10
Legal Phase	1
Legal Block	A
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2130
Census Tract	43801

Owner

3945 Sagefield Dr is owned and occupied by an individual who bought it in January 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3945 SAGEFIELD DR, HARMONY, FL 34773-6207
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2025 · Amount on File
Deed Sale	Jan 17, 2025 · Amount on File
Deed Document Number	2025007633
Deed Book / Page	6727 / 2610
Record Updated	Jun 8, 2026

January 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 17, 2025
Property Address	3945 SAGEFIELD DR, HARMONY, FL 34773-6207
Document Number	0067272610
Book / Page	6727 / 2610
Map Reference	MB 32 PG 120-133
Instrument Date	Dec 20, 2024
Instrument	2025007633
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	STEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,631.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1686 W HIBISCUS BLVD, MELBOURNE, FL 32901-2631

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3945 SAGEFIELD DR, HARMONY, FL 34773-6207

Mortgage

Document Number	2025007634
Date	Jan 17, 2025
Instrument	2025007634

Lender

Name	RMC HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3945 Sagefield Dr was $4,896.

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	$4,896.00	$302,000 Land $60,000 Building $242,000	$302,000 Land $60,000 Building $242,000
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

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 3945 Sagefield Dr in Zone X, an area of moderate flood risk.

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
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 3945 Sagefield Dr is high, ranking above 88% 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 88% of the US · above 81% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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