8105 Bent Tree Loop, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 8105 Bent Tree Loop, Harmony, FL 34773 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2023
Square Footage	1,505 sqft Living Area
Lot Size	6,534 sqft (0.15 acres)
Occupancy	Owner Occupied
Last Sale	$350,000 (2023)
Tax Bill	$4,432.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`32-26-32-3596-000I-0010`
Alternative APN	`2632323596000I0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,505 sqft Living Area
Gross Area	2,010 sqft Gross Area
1st Floor	1,505 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached Garage
Garage Area	420 sqft Garage
Porch Area	85 sqft Porch

Utilities and HVAC

Heating System	HVAC Heating

Location & Zoning

Street Address	8105 BENT TREE LOOP
City	HARMONY
State	FL
Zip	34773-6202
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK I LOT 1
Legal Subdivision	HARMONY CENTRALPHASE 1
Legal Block	I
Legal Lot Number	1
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 32-26-32-3596-000I-0010

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	8105 BENT TREE LOOP, HARMONY, FL 34773-6202
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 24, 2023 · Amount on Record
Deed Sale	Oct 24, 2023 · Amount on Record
Deed Doc Number	2023140014
Deed Book / Page	6494 / 1479
Record Refreshed	Jun 08, 2026

October 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 24, 2023
Property Address	8105 BENT TREE LOOP, HARMONY, FL 34773-6202
Document Number	0064941479
Book / Page	6494 / 1479
Map Reference	MB 32 PG 120-133
Instrument Date	Oct 20, 2023
Instrument	2023140014
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 W GARDEN ST, PENSACOLA, FL 32502-5618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8105 BENT TREE LOOP, HARMONY, FL 34773-6202

Mortgage

Document Number	0064941480
Date	Oct 24, 2023
Instrument	6494/1480

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,665.00 (+5.26%)	$285,300 (+470.6%) Land $60,000 Building $225,300	$285,300 (+470.6%) Land $60,000 Building $225,300
2024	$4,432.00 (+534.96%)
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 Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Very High above 91% of the US · above 85% of Florida
Wildfire Likelihood	About 1 in 71 per year
Exposure	Direct 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.