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7118 Five Oaks Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 7118 Five Oaks Dr, Harmony, FL 34773 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,826 sqft · built 2007
Lot Size0.06 acres (2,613 sqft)
Owner2 Individual Names on File
Last Sale$162,000 (May 2015)
Tax Bill$3,925 (2025)
Deeds & MortgagesAug 2023 Line of Credit
Jul 2023 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN30-26-32-2877-0001-002D

Property Details

APN / Parcel Number

Primary APN30-26-32-2877-0001-002D
Alternative APNs
  • 26323028770001002D
  • 148617

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,826 sqft Living Area
Gross Area2,382 sqft
1st Floor Area901 sqft
Upper Floors Area925 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area2,613 sqft (0.06 acres)
Garage TypeDetached
Garage Area484 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area72 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address7118 FIVE OAKS DR
CityHARMONY
StateFL
Zip34773-6060
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionASHLEY PARK AT HARMONY PB 19 PG 34-38 UNIT 2D
Legal Range32E
Legal Township26S
Legal Section30
Legal SubdivisionASHLEY PARK AT HARMONY
Legal Tract2877
Legal Block2D
Legal Lot Number2D
Legal Unit2
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group2
Census Block2093
Census Tract43801

Owner

Source: Osceola County records · APN 30-26-32-2877-0001-002D

Assessment roll updated November 26, 2025 · Last verified August 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 File
Mailing Address7118 FIVE OAKS DR, HARMONY, FL 34773-6060
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 21, 2023Deed of Trust, Mortgage · Line of Credit
FIGURE LENDING LLC
Jul 31, 2023Intrafamily Transfer, Transfer
Jul 27, 2021Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 22, 2015 · Amount on Record
Deed SaleMay 22, 2015 · Amount on Record
Prior SaleOct 02, 2013 · Amount on Record
Deed Document Number201573956
Deed Book / Page4783 / 827
Last Transfer DateJul 31, 2023
Transfer Doc0064481969
Record UpdatedSep 20, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address7118 FIVE OAKS DR, HARMONY, FL 34773-6060
Transaction TypeMortgage
Record UpdatedSep 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address7118 FIVE OAKS DR, HARMONY, FL 34773-6060

Mortgage

Document Number0064602386
DateAug 21, 2023
Book Page6460/2386
Instrument2023109355
Lender
NameFIGURE LENDING LLC
TypeMortgage Company
AddressCHARLOTTE, NC 28202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueSep 11, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 31, 2023
Property Address7118 FIVE OAKS DR, HARMONY, FL 34773-6060
Document Number0064481969
Book / Page6448 / 1969
Map ReferenceMB 19 PG 34-38
Instrument DateJul 31, 2023
Instrument2023098272
Transaction TypeTransfer
Record UpdatedAug 15, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address7118 FIVE OAKS DR, HARMONY, FL 34773-6060

Transferred To (Grantee/Buyer)

NameVerified Name
Address7118 FIVE OAKS DR, HARMONY, FL 34773-6060

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address7118 FIVE OAKS DR, HARMONY, FL 34773-6060
Transaction TypeMortgage
Record UpdatedFeb 08, 2022
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address7118 FIVE OAKS DR, HARMONY, FL 34773-6060

Mortgage

Document Number0060101078
DateJul 27, 2021
Book Page6010/1078
Instrument2021115946
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,925.00 (+4.61%)$176,197 (+5.99%)$244,300 (+1.92%) Land $40,000 Building $204,300
2024$3,752.00 (+2.15%)
2023$3,673.00 (+5.82%) Homeowner's exemption$166,245 (+3%)$239,700 (+24.45%) Land $14,900 Building $224,800
2022$3,471.00 Homeowner's exemption$161,403$192,600 Land $14,900 Building $177,700

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 64 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies64 in force

Wildfire

Wildfire RiskModerate
above 68% of the US · above 47% of Florida
Wildfire LikelihoodAbout 1 in 265 per year
ExposureDirect
burnable vegetation at the parcel

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

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20
Lumen TechnologiesDSL140 / 20
T-Mobile USAFixed Wireless100 / 20

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

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