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4350 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 4350 Sagefield Dr, Harmony, FL 34773

Property Summary

Property TypeVacant Land
Lot Size0.27 acres (11,761 sqft)
Owner2 Individual Names on Record
Last Sale$421,900 (Oct 2025)
Tax Bill$831 (2025)
Deeds & MortgagesSep 2026 Mortgage
Oct 2025 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN32-26-32-3596-000F-0200

Property Details

APN / Parcel Number

Primary APN32-26-32-3596-000F-0200
Alternative APN
  • 2632323596000F0200

Exterior

Lot Area11,761 sqft (0.27 acres)

Location & Zoning

Street Address4350 SAGEFIELD DR
CityHARMONY
StateFL
Zip34773-6212
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionHARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK F LOT 20
Legal SubdivisionHARMONY CENTRAL PHASE 1
Legal BlockF
Legal Lot Number20
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records, as of October 6, 2026

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 Record2 Individual Names on Record
Mailing Address4350 SAGEFIELD DR, HARMONY, FL 34773-6212
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 17, 2026Deed of Trust, Mortgage · FHA Mortgage
FIRST AMERICAN TITLE
Oct 1, 2025Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
ACOPIA LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 1, 2025 · Amount on Record
Deed SaleOct 1, 2025 · Amount on Record
Prior SaleMar 1, 2024 · Amount on Record
Deed Document Number2025121369
Deed Book / Page6857 / 953
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateSep 17, 2026
Property Address4350 SAGEFIELD DR, HARMONY, FL 34773-6212
Document Number0000120982
Book / Page7036 / 1036
Instrument DateSep 8, 2026
Instrument2026120982
Transaction TypeMortgage
Record UpdatedOct 6, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4350 SAGEFIELD DR, HARMONY, FL 34773-6212

Mortgage

Document Number0000120982,
DateSep 17, 2026
Book Page7036/1036
Instrument2026120982
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term289 Months
DueOct 1, 2050
Interest
Max Rate-1%

October 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 1, 2025
Property Address4350 SAGEFIELD DR, HARMONY, FL 34773-6212
Document Number0068570953
Book / Page6857 / 953
Map ReferenceMB 32 PG 120
Instrument DateSep 26, 2025
Instrument2025121369
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanySOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,953.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address100 W GARDEN ST, PENSACOLA, FL 32502-5618

Transferred To (Grantee/Buyer)

NameVerified Name
Address4350 SAGEFIELD DR, HARMONY, FL 34773-6212

Mortgage

Document Number0006857954
DateOct 1, 2025
Instrument6857/954
Lender
NameACOPIA LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term300 Months
DueOct 1, 2050

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$831.00 (+19.05%)$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

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 AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation70.5 ft
Flood Insurance RequirementRequired
federally backed loans
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 RiskVery High
above 90% of the US · above 84% of Florida
Wildfire Likelihood1% annual chance
ExposureDirect
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 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.

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