7705 Five Oaks Dr, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 7705 Five Oaks Dr, Harmony, FL 34773 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2023
Square Footage	2,355 sqft Heated Area
Lot Size	6,970 sqft (0.16 acres)
Occupancy	Owner Occupied
Last Sale	$502,900 (2023)
Tax Bill	$7,800.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`202632440600010100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,355 sqft Heated Area
Gross Area	3,000 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	245 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	7705 FIVE OAKS DR
City	HARMONY
State	FL
Zip	34773-6197
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	NORTH LAKES OF HARMONY PB 33 PGS 119-122 LOT 10
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	2
Census Block	2087
Census Tract	43801

Owner

Source: Osceola County records · APN 202632440600010100

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	7705 FIVE OAKS DR, HARMONY, FL 34773-6197
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 07, 2023 · Amount on Record
Deed Sale	Dec 07, 2023 · Amount on Record
Deed Doc Number	2023159801
Deed Book / Page	6515 / 2720
Record Refreshed	Jun 08, 2026

December 2023: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 07, 2023
Property Address	7705 FIVE OAKS DR, HARMONY, FL 34773-6197
Document Number	0065152720
Book / Page	6515 / 2720
Map Reference	MB 33 PG 119-122
Instrument Date	Nov 14, 2023
Instrument	2023159801
Transaction Type	Construction Loan
Record Updated	Jan 26, 2024
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,520.30
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9717 EAGLE CREEK CENTER BLVD STE 220, 220, ORLANDO, FL 32832-6346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7705 FIVE OAKS DR, HARMONY, FL 34773-6197

Mortgage

Document Number	0065152722
Date	Dec 07, 2023
Instrument	6515/2722

Lender

Name	DEEPHAVEN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2053

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 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	$7,800.00 Homeowner's exemption	$381,500 Land $55,000 Building $326,500	$381,500 Land $55,000 Building $326,500

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 Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	70.5 ft

Wildfire

Wildfire Risk	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	About 1 in 103 per year
Exposure	Direct burnable vegetation at the parcel

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