4475 Sagefield Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 4475 Sagefield Dr, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$428,900 (Apr 2025)
Tax Bill	$1,147 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`3226323596000E0210`

Property Details

APN / Parcel Number

Primary APN	`3226323596000E0210`

Exterior

Lot Area	6,098 sqft (0.139 acres)

Location & Zoning

Street Address	4475 SAGEFIELD DR
City	HARMONY
State	FL
Zip	34773-6215
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK E LOT 21
Legal Phase	1
Legal Block	E
Legal Lot Number	21
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2130
Census Tract	43801

Owner

Source: Osceola County records · APN 3226323596000E0210

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	4475 SAGEFIELD DR, HARMONY, FL 34773-6215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 02, 2025 · Amount on Record
Deed Sale	Apr 02, 2025 · Amount on Record
Deed Document Number	2025041339
Deed Book / Page	6764 / 1066
Record Updated	Jun 08, 2026

April 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 02, 2025
Property Address	4475 SAGEFIELD DR, HARMONY, FL 34773-6215
Document Number	0067641066
Book / Page	6764 / 1066
Map Reference	MB 32 PG 120
Instrument Date	Mar 31, 2025
Instrument	2025041339
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING COMPA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,002.30
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	4475 SAGEFIELD DR, HARMONY, FL 34773-6215

Mortgage

Document Number	0067641067
Date	Apr 02, 2025
Instrument	6764/1067

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2055

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,147.00 (+64.33%)	$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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 64 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force 60 of 64 on primary residences

Wildfire

Wildfire Risk	Very High above 91% of the US · above 85% of Florida
Wildfire Likelihood	About 1 in 73 per year
Exposure	Direct burnable vegetation at the parcel

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

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.