6931 Five Oaks Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 6931 Five Oaks Dr, Harmony, FL 34773

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.039 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$324,999 (Sep 2025)
Tax Bill	$2,399 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jul 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`302632329300010850`

Property Details

APN / Parcel Number

Primary APN	`302632329300010850`

Exterior

Lot Area	1,742 sqft (0.039 acres)

Location & Zoning

Street Address	6931 FIVE OAKS DR
City	HARMONY
State	FL
Zip	34773-6021
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	HARMONY NBHD H-1 PB 23 PG 22-27 LOT 85
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY
Legal Tract	3293
Legal Block	1
Legal Lot Number	85
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2109
Census Tract	43801

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	6931 FIVE OAKS DR, HARMONY, FL 34773-6021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 26, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 29, 2017	Quit Claim Deed, Mortgage HARMONY FLORIDA LAND LLC
Sep 28, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Jul 26, 2023 · Amount on Record
Deed Document Number	2025114825
Deed Book / Page	6850 / 23
Record Updated	Jun 8, 2026

September 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 16, 2025
Property Address	6931 FIVE OAKS DR, HARMONY, FL 34773-6021
Document Number	0068500023
Book / Page	6850 / 23
Map Reference	MB 23 PG 22-27
Instrument Date	Sep 15, 2025
Instrument	2025114825
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 2, 2026
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3601 RIGBY RD STE 300, 300, MIAMISBURG, OH 45342-5047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6931 FIVE OAKS DR, HARMONY, FL 34773-6021

Mortgage

Document Number	0000685025
Date	Sep 16, 2025
Instrument	6850/25

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 26, 2023
Property Address	6931 FIVE OAKS DR, HARMONY, FL 34773-6021
Document Number	0064461454
Book / Page	6446 / 1454
Map Reference	MB 23 PG 22-27
Instrument Date	Jul 25, 2023
Instrument	2023096387
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3601 RIGBY RD STE 300, 300, MIAMISBURG, OH 45342-5047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3601 RIGBY RD STE 300, 300, MIAMISBURG, OH 45342-5047
Investor	Possibly a Property Investor

December 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2017
Property Address	6931 GRANDE HERON DR, HARMONY, FL 34773
Document Number	0052611300
Book / Page	005261 / 001300
Instrument Date	Dec 22, 2017
Instrument	185266
Transaction Type	Mortgage
Record Updated	Feb 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7272 HARMONY SQUARE DR S HARMONY FL 347736002, HARMONY, FL 34773-6002

Mortgage

Document Number	52611315
Date	Dec 29, 2017
Book Page	005261/001315
Instrument	185267

Lender

Name	HARMONY FLORIDA LAND LLC
Address	1750 W BROADWAY ST # 111, OVIEDO, FL 32765-9618

Agreement

Amount	Amount Recorded

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2017
Property Address	6931 GRANDE HERON DR, HARMONY, FL 34773
Document Number	0052141789
Book / Page	005214 / 001789
Instrument Date	Sep 27, 2017
Instrument	137429
Transaction Type	Transfer
Record Updated	Nov 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$169.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1750 W BROADWAY ST #111 OVIEDO FL 327659618, 111, OVIEDO, FL 32765-9618
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,399.00 (-6.8%)	$50,000 (-23.08%) Land $50,000	$50,000 (-23.08%) Land $50,000
2024	$2,574.00 (+0.78%)	$65,000 (-) Land $65,000	$65,000 (-) Land $65,000
2023	$2,554.00 (+7.85%)	$65,000 (+8.33%) Land $65,000	$65,000 (+8.33%) Land $65,000
2022	$2,368.00	$60,000 Land $60,000	$60,000 Land $60,000

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 73% of the US · above 57% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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