Osceola County property record for 4580 Sagefield Dr, Harmony, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,770 sqft · built 2023 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $343,400 (Sep 2023) |
| Tax Bill | $4,423 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Sep 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 3226323596000G0120 |
| Primary APN | 3226323596000G0120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,770 sqft Heated Area |
| Gross Area | 2,400 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 | 113 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4580 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 12 |
| Legal Phase | 1 |
| Legal Block | G |
| Legal Lot Number | 12 |
| 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 3226323596000G0120
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 | 4580 SAGEFIELD DR, HARMONY, FL 34773-6216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 06, 2023 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 06, 2023 · Amount on Record |
| Deed Sale | Sep 06, 2023 · Amount on Record |
| Deed Document Number | 2023116669 |
| Deed Book / Page | 6469 / 435 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4580 SAGEFIELD DR, HARMONY, FL 34773-6216 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4580 SAGEFIELD DR, HARMONY, FL 34773-6216 |
| Document Number | 0068180216 |
|---|---|
| Date | Jul 15, 2025 |
| Book Page | 6818/216 |
| Instrument | 2025087072 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | Sep 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 06, 2023 |
| Property Address | 4580 SAGEFIELD DR, HARMONY, FL 34773-6216 |
| Document Number | 0064690435 |
| Book / Page | 6469 / 435 |
| Map Reference | MB 32 PG 120-133 |
| Instrument Date | Sep 01, 2023 |
| Instrument | 2023116669 |
| 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 | $2,403.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 W GARDEN ST, PENSACOLA, FL 32502-5618 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4580 SAGEFIELD DR, SAINT CLOUD, FL 34773-6216 |
| Document Number | 0006469436 |
|---|---|
| Date | Sep 06, 2023 |
| Instrument | 6469/436 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 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 | $4,423.00 (+533.67%) Homeowner's exemption | $308,700 (+517.4%) | $310,500 (+521%) Land $60,000 Building $250,500 |
| 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 as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 64 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 64 in force |
| Wildfire Risk | Very High above 90% of the US · above 84% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (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 |
Based on FCC filings for 77 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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