4104 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 4104 Sagefield Dr, Harmony, FL 34773

Property Summary

Property Type	Vacant Land
Lot Size	0.11 acres (4,791 sqft)
Owner	Individual Name on File
Last Sale	$424,500 (May 2026)
Tax Bill	$1,544 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`32-26-32-3596-000B-0380`

Property Details

APN / Parcel Number

Primary APN	`32-26-32-3596-000B-0380`
Alternative APN	`2632323596000B0380`

Exterior

Lot Area	4,791 sqft (0.11 acres)

Location & Zoning

Street Address	4104 SAGEFIELD DR
City	HARMONY
State	FL
Zip	34773-6208
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK B LOT 38
Legal Subdivision	HARMONY CENTRAL PHASE 1
Legal Block	B
Legal Lot Number	38
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2087
Census Tract	43801

Owner

4104 Sagefield Dr, vacant land, is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	4104 SAGEFIELD DR, HARMONY, FL 34773-6208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Date	Document
May 4, 2026	Special Warranty Deed, Transfer · FHA Mortgage LOWER LLC
May 4, 2026	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LOWER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Mar 1, 2024 · Amount on File
Deed Document Number	202658172
Deed Book / Page	6965 / 842
Record Updated	Oct 29, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2026
Property Address	4104 SAGEFIELD DR, HARMONY, FL 34773-6208
Document Number	0000058172
Book / Page	6965 / 842
Instrument Date	Apr 30, 2026
Instrument	2026.58172
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	SOUTHERN TITLE HOLDINGS COMPANY LLC, SOUTHERN TITLE HOLDINGS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300,121.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4104 SAGEFIELD DR, HARMONY, FL 34773-6208

Mortgage

Document Number	0000058173,
Date	May 4, 2026
Instrument	2026..58173

Lender

Name	LOWER LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

May 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2026
Property Address	4104 SAGEFIELD DR, HARMONY, FL 34773-6208
Document Number	0069650842
Book / Page	6965 / 842
Instrument Date	Apr 30, 2026
Instrument	202658172
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 28, 2026
Title Company	SOUTHERN TITLE, SOUTHERN TITLE HOLDINGS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300,121.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4104 SAGEFIELD DR, HARMONY, FL 34773-6208

Mortgage

Document Number	0000058173,
Date	May 4, 2026
Instrument	202658173

Lender

Name	LOWER LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 4104 Sagefield Dr was $1,544, up 103.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$1,544.00 (+103.43%)	$60,000 Land $60,000	$60,000 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

FEMA maps place 4104 Sagefield Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
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 4104 Sagefield Dr is high, ranking above 87% 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 87% of the US · above 79% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Spectrum.

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