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7021 Five Oaks Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 7021 Five Oaks Dr, Harmony, FL 34773

Property Summary

Property TypeSingle Family Home
Details5 bd · 4.5 ba · 3,554 sqft · built 2005
Lot Size0.174 acres (7,579 sqft)
Owner2 Individual Names on Record
Last Sale$575,000 (Feb 2021)
Tax Bill$4,148 (2025)
Deeds & MortgagesNov 2022 Transfer
May 2022 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN30-26-32-2612-0001-B004

Property Details

APN / Parcel Number

Primary APN30-26-32-2612-0001-B004
Alternative APNs
  • 26323026120001B004
  • 114109

Interior

Bedrooms5 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,554 sqft Living Area
Gross Area5,000 sqft
1st Floor Area2,110 sqft
Upper Floors Area982 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,579 sqft (0.174 acres)
Garage TypeAttached
Garage Area612 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area273 sqft
PorchFinished/Open Porch
Porch Area834 sqft
Deck Area64 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address7021 FIVE OAKS DR
CityHARMONY
StateFL
Zip34773-6005
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionBIRCHWOOD NEIGHBORHOODS B & C PB 14 PGS 67-73LOT 4B
Legal Range32E
Legal Township26S
Legal Section30
Legal SubdivisionBIRCHWOOD NBHDS B AND C
Legal Tract2612
Legal BlockB004
Legal Lot NumberB004
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2094
Census Tract43801

Owner

Source: Osceola County records, as of March 6, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address7021 FIVE OAKS DR, HARMONY, FL 34773-6005
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Nov 30, 2022Intrafamily Transfer, Transfer
ACCOMMODATION
May 31, 2022Deed of Trust, Mortgage · Line of Credit
FLAGSTAR BANK FSB
Feb 9, 2021Warranty Deed, Transfer · VA Mortgage
CALIBER HOME LOANS INC
Jun 27, 2017Warranty Deed, Transfer · Conventional Mortgage
CENTENNIAL BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 9, 2021 · Amount on Record
Deed SaleFeb 9, 2021 · Amount on Record
Prior SaleJun 27, 2017 · Amount on Record
Deed Document Number202118805
Deed Book / Page5887 / 2494
Prior Transfer DateJun 26, 2018
Prior Transfer Doc0053890128
Record UpdatedJun 8, 2026

November 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateNov 30, 2022
Property Address7021 FIVE OAKS DR, HARMONY, FL 34773-6005
Document Number0063220608
Book / Page6322 / 608
Map ReferenceMB 2150 PG 999
Instrument DateNov 16, 2022
Instrument2022172215
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address7021 FIVE OAKS DR, HARMONY, FL 34773-6005

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address7021 FIVE OAKS DR, HARMONY, FL 34773-6005

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address7021 FIVE OAKS DR, HARMONY, FL 34773-6005
Transaction TypeMortgage
Record UpdatedJun 15, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address7021 FIVE OAKS DR, HARMONY, FL 34773-6005

Mortgage

Document Number0062222639
DateMay 31, 2022
Book Page6222/2639
Instrument2022084300
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueJun 1, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 9, 2021
Property Address7021 FIVE OAKS DR, HARMONY, FL 34773-6005
Document Number0058872494
Book / Page5887 / 2494
Map ReferenceMB 14 PG 67-73
Instrument DateFeb 5, 2021
Instrument2021018805
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$4,025.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3211 SOUTHERN PINE RD, 3211, HARMONY, FL 34773-6010

Transferred To (Grantee/Buyer)

NameVerified Name
Address7021 FIVE OAKS DR, HARMONY, FL 34773-6005

Mortgage

Document Number0058872495
DateFeb 9, 2021
Instrument5887/2495
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 27, 2017
Property Address7021 FIVE OAKS DR, HARMONY, FL 34773-6005
Document Number0051700723
Book / Page5170 / 0723
Map ReferenceMB14 PG67-73
Instrument DateJun 23, 2017
Instrument2017093327
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,675.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7025 FIVE OAKS DR, 7025, HARMONY, FL 34773-6005

Transferred To (Grantee/Buyer)

NameVerified Name
Address117B BROADWAY, KISSIMMEE, FL 34741-5713

Mortgage

Document Number0051700724
DateJun 27, 2017
Instrument5170/0724
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,148.00 (+3.52%) Homeowner's exemption Veteran's exemption$636,756 (+5.99%)$706,800 (+3.55%) Land $80,000 Building $626,800
2024$4,007.00 (+1.78%)
2023$3,937.00 (+7.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$600,788 (+3%)$682,600 (+9.9%) Land $70,000 Building $612,600
2022$3,658.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$583,290$621,100 Land $65,000 Building $556,100

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 64 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies64 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 RiskModerate
above 63% of the US · lower than 61% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach

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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 197 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
CenturyLink
DSL · Fiber in parts of the area		140 / 20
T-Mobile
Fixed Wireless		100 / 20

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