6939 Five Oaks Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 6939 Five Oaks Dr, Harmony, FL 34773 · Last verified December 2025

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,771 sqft · built 2024
Lot Size	0.039 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$336,200 (Aug 2024)
Tax Bill	$6,228 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Sep 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`302632329300010890`

Property Details

APN / Parcel Number

Primary APN	`302632329300010890`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,771 sqft Heated Area
Gross Area	2,380 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.039 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	6939 FIVE OAKS DR
City	HARMONY
State	FL
Zip	34773-6021
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	HARMONY NBHD H-1 PB 23 PG 22-27 LOT 89
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY
Legal Tract	3293
Legal Block	1
Legal Lot Number	89
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 · APN 302632329300010890

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	6939 FIVE OAKS DR, HARMONY, FL 34773-6021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2024	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PENTAGON FCU
Sep 01, 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	2 Verified Names on Deed
Last Sale	Aug 21, 2024 · Amount on Record
Deed Sale	Aug 21, 2024 · Amount on Record
Prior Sale	Sep 01, 2023 · Amount on Record
Deed Document Number	0066531262
Deed Book / Page	6653 / 1262
Record Updated	Jun 08, 2026

August 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2024
Property Address	6939 FIVE OAKS DR, HARMONY, FL 34773-6021
Document Number	0066531262
Book / Page	6653 / 1262
Map Reference	MB 23 PG 22-27
Instrument Date	Aug 21, 2024
Instrument	2024109003
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,353.40
Amount Accuracy	Rounded by County
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	6939 FIVE OAKS DR, HARMONY, FL 34773-6021

Mortgage

Document Number	2024109004
Date	Aug 21, 2024
Instrument	2024109004

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2054

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 01, 2023
Property Address	6939 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	6939 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	6939 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 06, 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	6939 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 08, 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 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,228.00 (+143.85%)	$274,900 (+322.92%) Land $50,000 Building $224,900	$274,900 (+322.92%) Land $50,000 Building $224,900
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

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
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 73% of the US · above 58% of Florida
Wildfire Likelihood	About 1 in 251 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 209 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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