6825 Yellow Warbler Bend, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 6825 Yellow Warbler Bend, Harmony, FL 34773

Property Summary

Property Type	Vacant Land
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$612,320 (Aug 2025)
Tax Bill	$969 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-31-3673-0001-0450`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-3673-0001-0450`
Alternative APN	`263113367300010450`

Exterior

Lot Area	19,166 sqft (0.44 acres)

Location & Zoning

Street Address	6825 YELLOW WARBLER BND
City	HARMONY
State	FL
Zip	34773-6245
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	BAY LAKE FARMS AT SAINT CLOUD PB 34 PGS 165-171 LOT 45
Legal Subdivision	BAY LAKE FARMS AT SAINT CLOUD
Legal Lot Number	45
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2115
Census Tract	43801

Owner

Source: Osceola County records, as of May 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6825 YELLOW WARBLER BND, HARMONY, FL 34773-6245
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on Record
Deed Sale	Aug 11, 2025 · Amount on Record
Deed Document Number	202599490
Deed Book / Page	6832 / 1909
Record Updated	Sep 20, 2026

August 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 11, 2025
Property Address	6825 YELLOW WARBLER BND, HARMONY, FL 34773-6245
Document Number	0068321909
Book / Page	6832 / 1909
Map Reference	MB 34 PG 165-171
Instrument Date	Aug 8, 2025
Instrument	2025099490
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD L C

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,286.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6825 YELLOW WARBLER BND, HARMONY, FL 34773-6245

Mortgage

Document Number	0068321911
Date	Aug 11, 2025
Instrument	6832/1911

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$969.00 (+100.62%)	$70,000 Land $70,000	$70,000 Land $70,000
2024	$483.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 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 Risk	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct 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 System	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000