7406 Bent Tree Loop, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 7406 Bent Tree Loop, Harmony, FL 34773 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2024
Square Footage1,419 sqft Living Area
Lot Size5,662 sqft (0.13 acres)
OccupancyOwner Occupied
Last Sale$371,400 (2024)
Tax Bill$4,018.00 (2025)

Property Details

APN / Parcel Number

Primary APN32-26-32-3596-000L-0020
Alternative APN
  • 2632323596000L0020

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,419 sqft Living Area
Gross Area1,974 sqft Gross Area
1st Floor1,419 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area5,662 sqft (0.13 acres)
Garage TypeAttached Garage
Garage Area420 sqft Garage
Porch Area135 sqft Porch

Utilities and HVAC

Heating SystemHVAC Heating

Location & Zoning

Street Address7406 BENT TREE LOOP
CityHARMONY
StateFL
Zip34773-6200
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK L LOT 2
Legal SubdivisionHARMONY CENTRAL PHASE 1
Legal BlockL
Legal Lot Number2
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup2
Census Block2087
Census Tract43801

Owner

Source: Osceola County records · APN 32-26-32-3596-000L-0020

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 Address7406 BENT TREE LOOP, HARMONY, FL 34773-6200
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 06, 2024 · Amount on Record
Deed SaleAug 06, 2024 · Amount on Record
Deed Doc Number2024101884
Deed Book / Page6645 / 2474
Record RefreshedSep 20, 2026

August 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 06, 2024
Property Address7406 BENT TREE LOOP, HARMONY, FL 34773-6200
Document Number0066452474
Book / Page6645 / 2474
Map ReferenceMB 32 PG 120-133
Instrument DateAug 02, 2024
Instrument2024101884
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanySOUTHERN TITLE HLDG CO LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,599.80
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address100 W GARDEN ST, PENSACOLA, FL 32502-5618

Transferred To (Grantee/Buyer)

NameVerified Name
Address7406 BENT TREE LOOP, HARMONY, FL 34773-6200

Mortgage

Document Number2024101885
DateAug 06, 2024
Instrument2024101885
Lender
NameACOPIA LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2054

Mortgage

Document Number0066452492
DateAug 06, 2024
Book Page6645/2492
Instrument2024101886
Lender
NameCLICK N CLOSE INC
TypeMortgage Company
AddressADDISON, TX 75001
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2054

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,018.00 (+475.64%)$279,500 (+459%) Land $60,000 Building $219,500$279,500 (+459%) Land $60,000 Building $219,500
2023$698.00 (+1,044.26%)$50,000 (+1,036.36%) Land $50,000$50,000 (+1,036.36%) Land $50,000
2022$61.00$4,400 Land $4,400$4,400 Land $4,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation71.9 ft

Wildfire

Wildfire RiskVery High
above 91% of the US · above 85% of Florida
Wildfire LikelihoodAbout 1 in 72 per year
ExposureDirect
burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values are read at the parcel center point; lenders make the official flood determination.

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