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4397 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 4397 Sagefield Dr, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,505 sqft · built 2024
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on Record
Last Sale$369,900 (Nov 2024)
Tax Bill$4,121 (2025)
Deeds & MortgagesNov 2024 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN32-26-32-3596-000E-0080

Property Details

APN / Parcel Number

Primary APN32-26-32-3596-000E-0080
Alternative APN
  • 2632323596000E0080

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,505 sqft Living Area
Gross Area2,010 sqft
1st Floor Area1,505 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch
Porch Area85 sqft

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Street Address4397 SAGEFIELD DR
CityHARMONY
StateFL
Zip34773-6213
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK E LOT 8
Legal SubdivisionHARMONY CENTRAL PHASE 1
Legal BlockE
Legal Lot Number8
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records, as of August 18, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address4397 SAGEFIELD DR, HARMONY, FL 34773-6213
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 8, 2024 · Amount on Record
Deed SaleNov 8, 2024 · Amount on Record
Prior SaleMar 1, 2024 · Amount on Record
Deed Document Number2024142519
Deed Book / Page6693 / 1285
Record UpdatedSep 20, 2026

November 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 8, 2024
Property Address4397 SAGEFIELD DR, HARMONY, FL 34773-6213
Document Number0066931285
Book / Page6693 / 1285
Map ReferenceMB 32 PG 120-133
Instrument DateNov 6, 2024
Instrument2024142519
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanySOUTHERN TITLE HLDG CO LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,589.30
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
Address4397 SAGEFIELD DR, HARMONY, FL 34773-6213

Mortgage

Document Number2024142520
DateNov 8, 2024
Instrument2024142520
Lender
NameACOPIA LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2054

Mortgage

Document Number0066931302
DateNov 8, 2024
Book Page6693/1302
Instrument2024142521
Lender
NameCLICK N CLOSE INC
TypeMortgage Company
AddressADDISON, TX 75001
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term121 Months
DueDec 1, 2034

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$4,121.00 (+490.4%)$286,900 (+473.8%) Land $60,000 Building $226,900$286,900 (+473.8%) Land $60,000 Building $226,900
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 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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