Osceola County property record for 4568 Sagefield Dr, Harmony, FL 34773 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,820 sqft · built 2023 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $343,700 (Sep 2023) |
| Tax Bill | $5,047 (2025) |
| Deeds & Mortgages | Nov 2024 Mortgage Sep 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 3226323596000G0100 |
| Primary APN | 3226323596000G0100 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,820 sqft Heated Area |
| Gross Area | 2,401 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 181 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4568 SAGEFIELD DR |
|---|---|
| City | HARMONY |
| State | FL |
| Zip | 34773-6216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK G LOT 10 |
| Legal Phase | 1 |
| Legal Block | G |
| Legal Lot Number | 10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2087 |
| Census Tract | 43801 |
Source: Osceola County records · APN 3226323596000G0100
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 |
|---|---|
| Mailing Address | 4568 SAGEFIELD DR, HARMONY, FL 34773-6216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 04, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 08, 2023 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage ACOPIA LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 08, 2023 · Amount on Record |
| Deed Sale | Sep 08, 2023 · Amount on Record |
| Deed Document Number | 2023118554 |
| Deed Book / Page | 6471 / 597 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4568 SAGEFIELD DR, HARMONY, FL 34773-6216 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4568 SAGEFIELD DR, HARMONY, FL 34773-6216 |
| Document Number | 0066891687 |
|---|---|
| Date | Nov 04, 2024 |
| Book Page | 6689/1687 |
| Instrument | 2024139526 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 08, 2023 |
| Property Address | 4568 SAGEFIELD DR, HARMONY, FL 34773-6216 |
| Document Number | 0064710597 |
| Book / Page | 6471 / 597 |
| Map Reference | MB 32 PG 120-133 |
| Instrument Date | Sep 07, 2023 |
| Instrument | 2023118554 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,405.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 W GARDEN ST, PENSACOLA, FL 32502-5618 |
| Name | Verified Name |
|---|---|
| Address | 4568 SAGEFIELD DR, SAINT CLOUD, FL 34773-6216 |
| Document Number | 0006471598 |
|---|---|
| Date | Sep 08, 2023 |
| Instrument | 6471/598 |
| Name | ACOPIA LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,047.00 (+623.07%) | $312,900 (+525.8%) Land $60,000 Building $252,900 | $312,900 (+525.8%) Land $60,000 Building $252,900 |
| 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 |
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
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 70.5 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| 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 |
| Wildfire Risk | Very High above 91% of the US · above 85% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 71 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 77 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Hotwire Communications | Fiber | 8,000 / 8,000 |
| Spectrum | Fiber | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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