6937 Five Oaks Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 6937 Five Oaks Dr, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,961 sqft · built 2024
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (May 2024)
Tax Bill	$6,458 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2024 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`30-26-32-3293-0001-0880`

Property Details

APN / Parcel Number

Primary APN	`30-26-32-3293-0001-0880`
Alternative APN	`263230329300010880`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,961 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	749 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	L-Shape
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	588 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	6937 FIVE OAKS DR
City	HARMONY
State	FL
Zip	34773-6021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY NBHD H-1 PB 23 PG 22-27 LOT 88
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY NBHD H-1
Legal Tract	3293
Legal Block	880
Legal Lot Number	88
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 September 22, 2026

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
Mailing Address	2600 N CAMPUS PKWY, 405, HAMPTON, VA 23666-1262
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 1, 2024	Special Warranty Deed, Subdivision Related Transfer APIARY TITLE LLC
Sep 1, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 27, 2023	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
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	Name on Deed
Last Sale	May 1, 2024 · Amount on Record
Deed Sale	May 1, 2024 · Amount on Record
Prior Sale	Sep 1, 2023 · Amount on Record
Deed Document Number	202456769
Deed Book / Page	6592 / 2179
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 10, 2026
Property Address	6937 FIVE OAKS DR, HARMONY, FL 34773-6021
Document Number	0000118259
Book / Page	7033 / 1039
Instrument Date	Sep 5, 2026
Instrument	2026118259
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 1ST ST NE, WASHINGTON, DC 20002-8164

Mortgage

Document Number	0000118259,
Date	Sep 10, 2026
Book Page	7033/1039
Instrument	2026118259

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2024
Property Address	6937 FIVE OAKS DR, HARMONY, FL 34773-6021
Document Number	0065922179
Book / Page	6592 / 2179
Map Reference	MB 23 PG 22-27
Instrument Date	Apr 29, 2024
Instrument	2024056769
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	APIARY TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 LEGION PL STE 800, 800, ORLANDO, FL 32801-1006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2600 N CAMPUS PKWY # 405, 405, HAMPTON, VA 23666-1262

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 1, 2023
Property Address	6937 FIVE OAKS DR, HARMONY, FL 34773-6021
Document Number	0064672024
Book / Page	6467 / 2024
Map Reference	MB 23 PG 22-27
Instrument Date	Aug 31, 2023
Instrument	2023115434
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$700.00
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

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 27, 2023
Property Address	6937 FIVE OAKS DR, HARMONY, FL 34773-6021
Document Number	0064311652
Book / Page	6431 / 1652
Map Reference	MB 23 PG 22-27
Instrument Date	Jun 26, 2023
Instrument	2023083026
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$24,472.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8913 HERITAGE BAY CIR, ORLANDO, FL 32836-5026

Transferred To (Grantee/Buyer)

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

December 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2017
Property Address	6937 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	6937 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 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	$6,458.00 (+152.86%)	$291,500 (+348.46%) Land $50,000 Building $241,500	$291,500 (+348.46%) Land $50,000 Building $241,500
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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