7104 Five Oaks Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 7104 Five Oaks Dr, Harmony, FL 34773 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,826 sqft · built 2006
Lot Size	0.064 acres (2,787 sqft)
Owner	Individual Name on File
Last Sale	$186,000 (Jun 2018)
Tax Bill	$2,050 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-26-32-2877-0001-001C`

Property Details

APN / Parcel Number

Primary APN	`30-26-32-2877-0001-001C`
Alternative APNs	`26323028770001001C` `148610`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,826 sqft Living Area
Gross Area	2,382 sqft
1st Floor Area	901 sqft
Upper Floors Area	925 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,787 sqft (0.064 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	7104 FIVE OAKS DR
City	HARMONY
State	FL
Zip	34773-6060
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHLEY PARK AT HARMONY PB 19 PG 34-38 UNIT 1C
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	ASHLEY PARK AT HARMONY
Legal Tract	2877
Legal Block	1C
Legal Lot Number	1C
Legal Unit	1C
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2093
Census Tract	43801

Owner

Source: Osceola County records · APN 30-26-32-2877-0001-001C

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address	7104 FIVE OAKS DR, HARMONY, FL 34773-6060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 19, 2018 · Amount on Record
Deed Sale	Jun 19, 2018 · Amount on Record
Prior Sale	Sep 30, 2013 · Amount on Record
Deed Document Number	201894563
Deed Book / Page	5352 / 2862
Prior Transfer Date	Dec 16, 2015
Prior Transfer Doc	0048861702
Record Updated	Jun 08, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 19, 2018
Property Address	7104 FIVE OAKS DR, HARMONY, FL 34773-6060
Document Number	0053522862
Book / Page	005352 / 002862
Instrument Date	Jun 08, 2018
Instrument	94569
Transaction Type	Transfer
Record Updated	Jul 11, 2018
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7104 FIVE OAKS DR HARMONY FL 347736060, HARMONY, FL 34773-6060

Mortgage

Document Number	53522864
Date	Jun 19, 2018
Book Page	005352/002864
Instrument	94564

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,050.00 (-45.51%) Homeowner's exemption Veteran's exemption	$182,080 (+5.99%)	$241,800 (+1.98%) Land $40,000 Building $201,800
2024	$3,762.00 (+2.2%)
2023	$3,681.00 (+5.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$171,796 (+3%)	$237,100 (+24.4%) Land $14,900 Building $222,200
2022	$3,476.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$166,793	$190,600 Land $14,900 Building $175,700

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	Moderate above 63% of the US · above 39% of Florida
Wildfire Likelihood	About 1 in 498 per year
Exposure	Indirect within ember reach

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 197 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
Lumen Technologies	DSL	140 / 20
T-Mobile USA	Fixed Wireless	100 / 20

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