1. Home
  2. Florida
  3. Osceola County
  4. Harmony
  5. Harper Way

6640 Harper Way, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 6640 Harper Way, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,361 sqft · built 2021
Lot Size0.119 acres (5,227 sqft)
OwnerIndividual Name on File
Last Sale$318,800 (Jul 2021)
Tax Bill$6,523 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Feb 2020 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN242631338200010620

Property Details

APN / Parcel Number

Primary APN242631338200010620

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,361 sqft Heated Area
Gross Area3,034 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,227 sqft (0.119 acres)
Garage TypeFinished
PorchOpen Porch
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address6640 HARPER WAY
CityHARMONY
StateFL
Zip34773-6116
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARMONY WEST PH 1A PB 27 PGS 116-120 LOT 62
Legal Range31E
Legal Township26S
Legal Section24
Legal SubdivisionHARMONY WEST PHS 1A
Legal Phase1A
Legal Tract3382
Legal Lot Number62
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2119
Census Tract43801

Owner

6640 Harper Way is owned and occupied by an individual who bought it in July 2021.

Source: Osceola County records, as of December 11, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address6640 HARPER WAY, HARMONY, FL 34773-6116
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 8, 2021Special Warranty Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC
Feb 11, 2020Loan Modification, Mortgage · Line of Credit
CENTENNIAL BK
Feb 12, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 8, 2021 · Amount on File
Deed SaleJul 8, 2021 · Amount on File
Deed Document Number2021105961
Deed Book / Page5997 / 1601
Record UpdatedJun 8, 2026

July 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 8, 2021
Property Address6640 HARPER WAY, HARMONY, FL 34773-6116
Document Number0059971601
Book / Page5997 / 1601
Map ReferenceMB 27 PG 116-120
Instrument DateMay 25, 2021
Instrument2021105961
Transaction TypeTransfer
Record UpdatedJan 10, 2023
Title CompanyCLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,231.60
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address370 CENTERPOINTE CIR STE 1136, 1136, ALTAMONTE SPRINGS, FL 32701-3451

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address6640 HARPER WAY, HARMONY, FL 34773-6116

Mortgage

Document Number0059971603
DateJul 8, 2021
Instrument5997/1603
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term359 Months
DueJun 1, 2051

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address6640 HARPER WAY, HARMONY, FL 34773-6116
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 on Record
Interest
Rate TypeAdjustable Rate

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 12, 2020
Property Address6640 HARPER WAY, HARMONY, FL 34773-6116
Document Number0056730836
Book / Page005673 / 000836
Instrument DateFeb 11, 2020
Instrument21422
Transaction TypeTransfer
Record UpdatedMar 18, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
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

The 2025 property tax bill for 6640 Harper Way was $6,523 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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$6,523.00 Homeowner's exemption$323,678$376,800 Land $80,000 Building $296,800
2023$6,109.00 (+5.24%) Homeowner's exemption$305,395 (+3%)$333,300 (+12.41%) Land $60,000 Building $273,300
2022$5,805.00 Homeowner's exemption$296,500 Land $60,000 Building $236,500$296,500 Land $60,000 Building $236,500

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

Flood

FEMA maps place 6640 Harper Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File
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

Wildfire risk around 6640 Harper Way is high, ranking above 78% of the US, with a 0.7% annual chance of 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

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 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
Fixed Wireless		100 / 20

Nearby Properties on Harper Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures