6641 Harper Way, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 6641 Harper Way, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 2021
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$284,200 (Jun 2021)
Tax Bill	$5,713 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Feb 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`242631338200010690`

Property Details

APN / Parcel Number

Primary APN	`242631338200010690`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,580 sqft Heated Area
Gross Area	2,208 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.119 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6641 HARPER WAY
City	HARMONY
State	FL
Zip	34773-6117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY WEST PH 1A PB 27 PGS 116-120 LOT 69
Legal Range	31E
Legal Township	26S
Legal Section	24
Legal Subdivision	HARMONY WEST PHS 1A
Legal Phase	1A
Legal Tract	3382
Legal Lot Number	69
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2119
Census Tract	43801

Owner

Source: Osceola County records · APN 242631338200010690

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	6641 HARPER WAY, HARMONY, FL 34773-6117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Special Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Feb 11, 2020	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK
Feb 12, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Deed Document Number	2021097984
Deed Book / Page	5987 / 206
Record Updated	Jun 08, 2026

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 23, 2021
Property Address	6641 HARPER WAY, HARMONY, FL 34773-6117
Document Number	0059870206
Book / Page	5987 / 206
Map Reference	MB 27 PG 116-120
Instrument Date	Jun 09, 2021
Instrument	2021097984
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,989.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	370 CENTERPOINTE CIR STE 1136, 1136, ALTAMONTE SPRINGS, FL 32701-3451

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6641 HARPER WAY, HARMONY, FL 34773-6117

Mortgage

Document Number	0005987208
Date	Jun 23, 2021
Instrument	5987/208

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 01, 2031

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	6641 HARPER WAY, HARMONY, FL 34773-6117
Document Number	0056730851
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	370 CENTERPOINTE CIR #1136 ALTAMONTE SPRINGS FL 327013451, 1136, ALTAMONTE SPRINGS, FL 32701-3451

Mortgage

Document Number	0056730851
Date	Feb 12, 2020
Book Page	005673/000851
Instrument	21426

Lender

Name	CENTENNIAL BK
Type	Bank
Address	201 E GARDEN ST, PENSACOLA, FL 32502-6038

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 12, 2020
Property Address	6641 HARPER WAY, HARMONY, FL 34773-6117
Document Number	0056730836
Book / Page	005673 / 000836
Instrument Date	Feb 11, 2020
Instrument	21422
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$25,438.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	370 CENTERPOINTE CIR #1136 ALTAMONTE SPRINGS FL 327013451, 1136, ALTAMONTE SPRINGS, FL 32701-3451

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,713.00 (+7.01%) Homeowner's exemption	$265,274 (+5.99%)	$314,500 (+14.2%) Land $80,000 Building $234,500
2023	$5,339.00 (+5.56%) Homeowner's exemption	$250,290 (+3%)	$275,400 (+13.33%) Land $60,000 Building $215,400
2022	$5,058.00 Homeowner's exemption	$243,000 Land $60,000 Building $183,000	$243,000 Land $60,000 Building $183,000

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	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	About 1 in 144 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 55 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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