4320 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 4320 Sagefield Dr, Harmony, FL 34773

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$408,900 (Mar 2025)
Tax Bill	$1,544 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`3226323596000F0150`

Property Details

APN / Parcel Number

Primary APN	`3226323596000F0150`

Exterior

Lot Area	6,098 sqft (0.139 acres)

Location & Zoning

Street Address	4320 SAGEFIELD DR
City	HARMONY
State	FL
Zip	34773-6212
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK F LOT 15
Legal Phase	1
Legal Block	F
Legal Lot Number	15
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2130
Census Tract	43801

Owner

4320 Sagefield Dr, residential vacant land, is owned and occupied by an individual who bought it in March 2025.

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

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4320 SAGEFIELD DR, HARMONY, FL 34773-6212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2025 · Amount on File
Deed Sale	Mar 3, 2025 · Amount on File
Deed Document Number	2025026381
Deed Book / Page	6747 / 2302
Record Updated	Jun 8, 2026

March 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 3, 2025
Property Address	4320 SAGEFIELD DR, HARMONY, FL 34773-6212
Document Number	0067472302
Book / Page	6747 / 2302
Map Reference	MB 32 PG 120-133
Instrument Date	Feb 26, 2025
Instrument	2025026381
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING COMPA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,862.30
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	4320 SAGEFIELD DR, HARMONY, FL 34773-6212

Mortgage

Document Number	0067472303
Date	Mar 3, 2025
Instrument	6747/2303

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 4320 Sagefield Dr was $1,544.

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	$1,544.00	$60,000 Land $60,000	$60,000 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

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 4320 Sagefield Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	70.5 ft
Flood Insurance Requirement	Required federally backed loans
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 4320 Sagefield Dr is very high, ranking above 90% 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	Very High above 90% of the US · above 84% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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.