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6637 Harper Way, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 6637 Harper Way, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,732 sqft · built 2021
Lot Size0.13 acres (5,662 sqft)
Owner2 Individual Names on File
Last Sale$350,600 (Jun 2021)
Tax Bill$6,667 (2025)
Deeds & MortgagesApr 2023 Second Mortgage
Jun 2021 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN24-26-31-3382-0001-0680

Property Details

APN / Parcel Number

Primary APN24-26-31-3382-0001-0680
Alternative APN
  • 263124338200010680

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,732 sqft Living Area
Gross Area3,518 sqft
1st Floor Area1,716 sqft
FlooringTile

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,662 sqft (0.13 acres)
Garage TypeAttached
Garage Area484 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address6637 HARPER WAY
CityHARMONY
StateFL
Zip34773-6117
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 68
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PH 1A
Legal Phase1A
Legal Lot Number68
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2119
Census Tract43801

Owner

Source: Osceola County assessment roll, as of November 26, 2025

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

Owner of Record2 Individual Names on File
Mailing Address6637 HARPER WAY, HARMONY, FL 34773-6117
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 12, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
MCCOY FCU
Jun 23, 2021Deed of Trust, Mortgage · FHA Mortgage
FBC MORTGAGE LLC
Nov 17, 2022Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
May 27, 2020Deed of Trust, Mortgage
CALIBER HM LOANS
Feb 11, 2020Loan Modification, Mortgage · Line of Credit
CENTENNIAL BK
Feb 12, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 23, 2021 · Amount on Record
Deed SaleJun 23, 2021 · Amount on Record
Deed Document Number202197974
Deed Book / Page5987 / 164
Record UpdatedSep 20, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6637 HARPER WAY, HARMONY, FL 34773-6117
Transaction TypeMortgage
Record UpdatedApr 27, 2023
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address6637 HARPER WAY, HARMONY, FL 34773-6117

Mortgage

Document Number0063862072
DateApr 12, 2023
Book Page6386/2072
Instrument2023042038
Lender
NameMCCOY FCU
TypeCredit Union
AddressORLANDO, FL 32809
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueApr 5, 2043

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6637 HARPER WAY, HARMONY, FL 34773-6117
Transaction TypeMortgage
Record UpdatedJan 10, 2023
Title CompanyCLEAR TITLE OF FLORIDA LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1106 EAST 16TH STREET, APOPKA, FL 32703

Mortgage

Document Number0059870166
DateJun 23, 2021
Book Page5987/166
Instrument2021097975
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6637 HARPER WAY, HARMONY, FL 34773-6117
Transaction TypeMortgage
Record UpdatedJan 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address6637 HARPER WAY, HARMONY, FL 34773-6117

Mortgage

Document Number0063162848
DateNov 17, 2022
Book Page6316/2848
Instrument2022167492
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term344 Months
DueJul 1, 2051

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6637 HARPER WAY, HARMONY, FL 34773-6117
Document Number0057290027
Instrument DateMay 27, 2020
Transaction TypeMortgage
Record UpdatedJul 21, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2878 PARKFIELD RD ST CLOUD FL 347728998, ST CLOUD, FL 34772-8998

Mortgage

Document Number0057290027
DateMay 29, 2020
Book Page005729/000027
Instrument69339
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressTALLAHASSEE, FL 32301-1329
Agreement
AmountAmount Recorded

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address6637 HARPER WAY, HARMONY, FL 34773-6117
Document Number0056730851
Instrument DateFeb 11, 2020
Transaction TypeMortgage
Record UpdatedMar 20, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address370 CENTERPOINTE CIR #1136 ALTAMONTE SPRINGS FL 327013451, 1136, ALTAMONTE SPRINGS, FL 32701-3451

Mortgage

Document Number0056730851
DateFeb 12, 2020
Book Page005673/000851
Instrument21426
Lender
NameCENTENNIAL BK
TypeBank
Address201 E GARDEN ST, PENSACOLA, FL 32502-6038
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 12, 2020
Property Address6637 HARPER WAY, HARMONY, FL 34773-6117
Document Number0056730836
Book / Page005673 / 000836
Instrument DateFeb 11, 2020
Instrument21422
Transaction TypeTransfer
Record UpdatedMar 18, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$25,438.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address370 CENTERPOINTE CIR #1136 ALTAMONTE SPRINGS FL 327013451, 1136, ALTAMONTE SPRINGS, FL 32701-3451

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$6,667.00 (+5.17%) Homeowner's exemption$334,099 (+5.99%)$413,100 (+8.2%) Land $80,000 Building $333,100
2024$6,339.00 (+1.49%)
2023$6,246.00 (+5.17%) Homeowner's exemption$315,228 (+3%)$381,800 (+14.45%) Land $60,000 Building $321,800
2022$5,939.00 Homeowner's exemption$306,047$333,600 Land $60,000 Building $273,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
minimal risk
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 RiskHigh
above 78% of the US · above 67% of Florida
Wildfire Likelihood0.7% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

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