Harmony Life - January 2019

JANUARY 2019

MEET THE MACARI/ MOYNIHAN FAMILY Photo by Studio NINE 13

F L O R I D A’ S P R E M I E R C O M M U N I T Y A PUBLICATION OF QUANTUM MARKETING COMMUNICATIONS, LLC

LETTER FROM THE PUBLISHER

W

elcome to the January 2019 edition of Harmony Life Magazine. Happy New Year!

We are now FULL COLOR! Please enjoy the new and enhanced look!

Sign up on MyHarmonyFL.com for weekly emails of events and happenings.

Harmony Life Magazine is produced by residents for residents. Please feel free to message me directly with content and pictures: Bill@QMCWorld.com Join the Harmony Resident Facebook group for the most up to date happenings and information.

Please support the wonderful sponsors of this publication — it’s thanks to them we are able to bring it to you!

• The Corcoran Connection, for all of your Real Estate needs – Harmony residents!

• Lucky Dog Printing, Harmony residents!

• Z&Q –A Children’s Boutique, Harmony resident!

• Living Well Chiropractic, Dr. Richard is a Harmony resident!

• Harmony Community Church • Blush Boutique and Salon, a full-service salon on New York Ave. in St. Cloud • Dr. Lach Orthodontics • Jones Homes • Luv-A-Lawn • Molly Maid • Budget Services, home inspections and pest control • Healthcare Solutions Team, Kim and Rick Kirsch are Harmony residents!

• Triple Palm Lawn, Harmony resident • Brightway Insurance, The Sterner Agency • Edward Jones, Kerry Scott • Mortgage Equity Partners • Orlando Home Organizer • St. Cloud Regional Medical Center

JANUARY 2019

A publication of Quantum Marketing Communications, LLC www.QMCWorld.com

PUBLISHER & CEO

Bill Bokunic 321.331.6398 Bill@QMCWorld.com

GRAPHIC DESIGN

Renée Blair Blair Creative Group, Inc.

COVER PHOTOGRAPHY Kristin Macari Studio Nine 13

CONTRIBUTORS

Association Solutions Community Managment Team Steve Berube Chairman HCDD and President HROA Jeanine Corcoran The Corcoran Connection

See you in February!

Kerul Kassel, PHD

Bill Bokunic Bill@QMCWorld.com

Hamony CDD Board Member

Stephanie Milfeld Z&Q–A Children's Boutique

Harmony Life Magazine

CONTACT INFO FOR RESIDENTS CDD HarmonyCDD.org, 407-566-1935

Steve, Mike, Bill, Kerul or Dave@HarmonyCDD.org SHERIFF, NON-EMERGENCY 407-348-2222

SPECTRUM CABLE / INTERNET

877-892-3279

CENTURY LINK CABLE / INTERNET

866-314-4148

OUC ELECTRIC

407-957-7373

HROA

Association Solutions, 811 Mabette St., Kissimmee 407-847-2280, MyHOASolution.com

866-724-2989

CONDOS HOA

Sentry Management, 407-846-6323

WASTE MANAGEMENT Monday: Recycling pick up Wednesday: Yard Debris pick up Friday: Trash pick up

TOWNHOMES HOA

HARMONY DEVELOPER OFFICE

Association Solutions, 811 Mabette St., Kissimmee 407-847-2280, MyHOASolution.com

OSCEOLA COUNTY

COUNTY COMMISSIONER FRED HAWKINS

Osceola.org “Citizen Action Center” fhaw@osceola.org

407-891-8358, HarmonyFL.com

January 2019 | Harmony Life Magazine 1

MEET THE MACARI/MOYNIHAN FAMILY What is…

Your name? Kristin Macari Your spouse’s name? Quinton Macari Your children's names? Rachael and Olivia Moynihan Your pets’ names? Layla, Simon and Callie Type of pets? Cats When did you move to Harmony? 2008 What street do you live on? Pond Pine Rd. What do you love most about Harmony? We love the sense of community in Harmony, and how comfortable we feel with the kids living in this community.

What are your kids’ favorite things about Harmony? They love being able to walk around and play with friends.

Where did you move from?

I grew up in Kissimmee and Quinton moved from Orlando. He was originally from Illinois.

2 Harmony Life Magazine | January 2019

What do you miss most? Absolutely nothing!

This is the perfect community to raise a family.

What is your background? My background is in Marketing and Real Estate, and Quinton’s is in video production. We own a video production and post production company, Studio Nine 13.

What is a good story about Harmony?

It never ceases to amaze me how wonderful our neighbors are. When our youngest daughter went missing last May, the community sprang into action looking for her. Thankfully it was a miscommunication with family, but I’ll never forget how amazing our community was during those hours.

What is your favorite weekend activity?

We love going to the beach and spending time with our friends, family and neighbors.

Are there any recommendations for other neighbors? Go for a walk! Seriously, there are some beautiful trails in Harmony, even the winding sidewalks by Buck Lake are great for a stroll.

Do you do any charity or non-profit work?

We work with our church Kissimmee Christian Church in their tech ministry.

What do you do for fun? Whenever we have free time and it’s not raining, you’ll usually find us at the beach. It’s one of the reasons we love living here, being so close to the coast to make a quick day trip.

What is your favorite TV Show?

We love all sorts of shows for different reasons, but some of our favorites are The Goldbergs, The Office, Criminal Minds, and The Man in the High Castle. n

PHOTO: Studio NINE 13

COVER STORY

INTEREST RATES & INVENTORY

By Jeanine Corcoran

A

s we kick off the new year, many families have made resolutions to enter the housing market in 2019. Whether you are thinking of finally ditching your landlord and buying your first home or selling your starter house to move into your forever home, there are two pieces of the real estate puzzle you need to watch carefully: interest rates & inventory.

Interest Rates

Mortgage interest rates had been on the rise for much of 2018, but they made a welcome reversal at the end of the year. According to Freddie Mac, rates climbed to 4.94% in November before falling to 4.62% for a 30-year fixed rate mortgage last week. Despite the recent drop, interest rates are projected to reach 5% in 2019.

needed), which has put upward pressure on home prices. Home prices have increased year-over-year for the last 81 straight months.

The inventory of homes for sale in the real estate market had been on a steady decline and experienced year-over-year drops for 36 straight months (from July 2015 to May 2018), but we are starting to see a shift in inventory over the last six months.

The chart below shows the change in housing supply over the last 12 months compared to the previous 12 months. As you can see, since June, inventory levels have started to increase as compared to the same time last year.

The interest rate you secure when buying a home not only greatly impacts your monthly housing costs, but also impacts your purchasing power.

Purchasing power, simply put, is the amount of home you can afford to buy for the budget you have available to spend. As rates increase, the price of the house you can afford to buy will decrease if you plan to stay within a certain monthly housing budget.

The chart below shows the impact that rising interest rates would have if you planned to purchase a $400,000 home while keeping your principal and interest payments between $2,020-$2,050 a month.

This is a trend to watch as we move further into the new year. If we continue to see an increase in homes for sale, we could start moving further away from a seller’s market and closer to a normal market.

Bottom Line

If you are planning to enter the housing market, either as a buyer or a seller, let’s get together to discuss the changes in mortgage interest rates and inventory and what they could mean for you.

With each quarter of a percent increase in interest rate, the value of the home you can afford decreases by 2.5% (in this example, $10,000).

Inventory

A ‘normal’ real estate market requires there to be a 6-month supply of homes for sale in order for prices to increase only with inflation.

According to the National Association of Realtors (NAR), listing inventory is currently at a 3.9-month supply (still well below the 6-months 4 Harmony Life Magazine | January 2019

Jeanine Corcoran is the Broker and Owner of The Corcoran Connection, LLC – A Real Estate and Property Management Company. Jeanine has been helping families with their Real Estate needs since 2005. Jeanine is Barbara Corcoran’s sister from ABC’s SHARK TANK. Jeanine can be reached at 407.922.3308, email Jeanine@TheCorcoranConnection.com, or visit TheCorcoranConnection.com.

PENDING

3345 Schoolhouse Rd 5 Bed | 3.5 Bath 3268 sq ft

by Kimberly Towe

$378,999

SOLD

FOR SALE

3441 Sagebrush St 3 Bed | 2 Bath 1637 sq ft

by Karen Starry

$246,000

FOR SALE

3344 Cat Brier Trl 4 Bed | 2 Bath 2501 sq ft

by Jeanine Corcoran

$319,850

Announcing the Corcoran Buyer Program!

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by William Bokunic & Jeanine Corcoran Contact us before visiting a builder $241,000 for more information!

FOR SALE

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by Jeanine Corcoran

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Jeanine Corcoran - Broker | Owner The Corcoran Connection 407-953-9118 - office 407-922-3308 - cell Jeanine@TheCorcoranConnection.com TheCorcoranConnection.com

Serving your Real Estate and Property Management Needs Connect with us on Social Media!

January 2019 | Harmony Life Magazine 5

HARMONY W e

e x i s t

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k n o w

H i m

a n d

m a k e

www.harmonycommunity.church

6 Harmony Life Magazine | January 2019

H i m

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A FEW IMPORTANT DETAILS…

By Steve Berube Chairman HCDD and President HROA

H

opefully you had a happy Holiday Season. Now that another year has passed, I thought it timely to expound a bit on some items of significance coming up that might affect Life in Harmony. Please remember that as these long-term and/or complex transactions take place, many rumors develop and sometimes become outlandish—and are usually just plain wrong. So, anytime you have a question, please ask. I (and the other 4 CDD supervisors or 5 HROA Directors) are more than happy to answer questions—just ask.

the County which will lose the tax income.

Additionally, there have been some complex permitting issues attached to most wet areas in Harmony which are currently being cleanedup by the Developer and will either be satisfied prior to transfer or will have an agreement from the Developer that he will satisfy those requirements as soon as possible and at his cost. The reason: we want to expand the boat dock but cannot until we can get it permitted is the immediate need and we need a clear path toward any future permitted changes.

BUCK LAKE: As this is written, the CDD is poised to accept a transfer of Buck Lake and associated parcel VC10 from the Developer. We will try to obtain land surrounding the lake so as, to the extent possible, prevent any shoreline development activity. As part of this transfer, we will also write and control a Lake Usage Agreement which will largely govern what can take place on the lake considering that Harmony West CDD (a separate entity) is being built on the west end and will control over half of the land surrounding what will be our lake. It is my anticipation that this agreement will largely mirror the current agreement the Developer holds for our usage of his lake. Perhaps the most important piece of this will be to limit boats to electric power sources.

Of course, acquisitions like this are not free and in this case, the CDD will absorb the CDD Fees being charged to the Developer currently.

While the lake is not assessed CDD bond debt, the VC10 parcel is in the amount of just under $29,000 annually. As part of the 2015 Bond refinance package, those assessments will end in 2036 so with principle and interest the cost will be right around $485,000. While you might think the Developer is a really nice guy for giving up this lake, some surrounding areas and 5 acres of prime land, the fact is that the impetus for this is that the Developer is running a business and the lake & land are doing him no good but ARE costing him a significant amount of money in taxes and CDD fees.

Back to the money: it is my belief that this acquisition will NOT ADD to your CDD assessments. How can that be you might ask.

Well, careful observers might remember that we have been paying down streetlight capital leases for several years to the tune of $330,000 per year. Those payoffs have been completed so each annual budget has that amount of money in it. It is my desire to slightly lower assessments because that is what we promised when we increased your assessments a few years back (by 2.08%) to provide the initial funding for the buyouts. That will account for around $100,000; rounding up the debt assumption eats another $30,000; we might have to account for Operation & Maintenance on these lands which is currently about $25K so rounding that up eats another $30,000; all of these amount to $160,000 out of the $330,000 available next year—so there is a $170,000 “cushion” still there to cover the ever-increasing costs of maintaining an aging Harmony.

So, by transferring these areas to us, he eliminates those burdens. And, because the CDD is a governmental entity, the CDD is non-taxable making the big loser here

SWIM CLUB EXTENDED HOURS: For many years, we have heard requests for longer hours at the Swim Club Pool. The prime reason hours have not changed is because of the legal requirement

for very specific lighting. At this point, after receiving several more requests for later hours, the Board has requested cost information on such lighting. Once that is obtained, we will discuss the pros & cons of extended hours which will be a complex discussion. It is important to note that Board members are charged with representing ALL owners when deliberating policy changes such as this—and this IS a significant change. When I say all owners, there are about 900 unique owners paying CDD fees and while many remain silent, we must consider the impact of changes on all of them. Nonetheless, the Board works for you, the voters, so your input—especially when you speak your desires at a meeting—carry great weight. So, stay tuned for more on this.

Thanks for reading—see you next month!! n

BUT we must remember that the Developer has not (and will not be) paid his assessments on the land which amounts to a bit over $50,000 per year for each of the last 2 years so we haven’t received $100,000. Subtracting that from the $170,000 cushion still shows $70,000 left over which should leave us enough flexibility to provide that desirable assessment decrease.

This is a very complex transaction with much work still to be done, but this should end up being a “crown-jewel” acquisition.

January 2019 | Harmony Life Magazine 7

8 Harmony Life Magazine | January 2019

HARMONY RESIDENTIAL OWNERS ASSOCIATION

HOW TO REACH YOUR ASSOCIATION SOLUTIONS COMMUNITY MANAGEMENT TEAM Physical & 811 Mabbette Street, Mailing Address: Kissimmee, FL 34741 Email: info@myhoasolution.com Website: www.myhoasolution.com Telephone: 407-847-2280 Fax: 407-847-2882 Hours: Monday-Friday 9am-5pm

(your call will be answered by a member of our

staff and you will not encounter a voicemail) Out of Office Hours: When our office is closed, there is an emergency answering service.

This service is for Emergencies ONLY. If you have a question regarding payments, a letter received or general information, please do not leave a message on the answering service, but call us during normal office hours or send an email requesting a return call during regular business hours.

WHAT’S YOUR EMAIL ADDRESS?

Please add your email address to your owner account. There are many exciting events coming soon and we need to make sure you get your invitation!

To add any of this information to your account, please email it to us: info@myhoasolution.com or use the contact us form on our website.

BOARD OF DIRECTORS’ MEETING DATE The next meeting will be February 27thth at 6:00 P.M in the banquet room of the Golf Club. We look forward to seeing you there.

ADOPTION OF EXHIBIT F

At the Board of Directors’ Meeting on Wednesday November 28th, the Board of Directors voted to reinstate Exhibit F of the Community’s documents. There were some slight changes made to the original documents, which allow better enforcement.

HARMONY REAL ESTATE SIGN GUIDELINES For sale and for rent

1. Maximum size of 12” x 18” mounted in the portrait orientation.

2. 12 x 18” sign material must be made of metal or better grade material.

3. Sign to be mounted on a single pole, black metal stake.

4. Minimum required message content: a. “For Sale by Owner” or Real Estate Company Name or Real Estate Logo. b. “For Sale” or “For Rent”. c. Contact phone #. d. Optional items: Agent Name, QR Code or website address.

5. Signs may be ordered from any vendor.

HOLIDAY DECORATIONS

The community has been looking very festive and everyone has enjoyed looking at the different holiday displays.

As we go into the New Year, just a gentle reminder that decorations can be displayed until 14 days after Christmas Day. n

January 2019 | Harmony Life Magazine 9

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10 Harmony Life Magazine | January 2019

DID YOU KNOW?

By Kerul Kassel PHD Hamony CDD Board Member

D

TOP LEFT: COURTESY KERUL KASSEL; TOP RIGHT: ADOBE STOCK

ID YOU KNOW that Harmony was designed to promote the peaceful coexistence of human and animal residents within the community while striking a balance between the preservation, use and enjoyment of Harmony’s natural areas?

Harmony incorporates natural and humanbuilt environments that blend in ways designed to enhance the relationships between humans and animals and maximize the benefits of their peaceful coexistence. While retaining natural areas, Harmony is part of a human-dominated landscape where our actions profoundly affect the welfare of wild animals.

Did you know that some birds around Harmony live here year round, while others grace us with their presence only at certain times of the year, and that you can identify them easily by their calls? Now that we are into the winter season you can see and hear quite a variety of birds that are here for only a few months, like Palm Warblers, tiny birds which bob their tails, and are often seen around the neighborhood in and around our street trees, as are American Goldfinch, with their “potatochip” call usually heard in flight. Yellowrumped Warblers, which are identified by a kiss-like call note, are frequently seen flitting about at the edges of woodlands. American Kestrel, North America’s smallest bird of prey, is also seen in winter, particularly in fields at the tops of trees, phone poles, and wires. Gray Catbirds, which sound like a snarky cat meow, are also around now; they’re usually found in shrubs and low trees 8’ or lower. I heard Cedar Waxwings, which make a high whistling call (sort of like a “nose whistle”) just this morning — they arrive later than other winter migrants.

American Robins, mostly seen only in winter here, offer a “chirp, cluck, cluck, cluck” call at this time of year. Pied-billed Grebes, small diving birds with a vertical stripe through their beaks, are sometimes seen on our ponds in winter. Most of these species disappear come spring, and make way for birds that spend winters further south in Central and South America but breed in Central Florida and further north.

in the trees at the same time of year, and around nightfall the dizzying flight and buzz call of Common Nighthawks. The tiny Rubythroated hummingbird arrives in late spring to sip nectar from the flowers around our homes, and Purple Martins find their way to our gourd condos by the Community Garden and Community School.

Of course, we can’t forget our dependable year-round species, like Mockingbirds, one of the most commonly seen and heard birds that mimics other species’ calls. Bright red Northern Cardinals, with their high chip notes, are growing ever more common as our neighborhood trees mature. Red-bellied Woodpeckers, “chirrup”ing in the trees, and Yellow-bellied Sapsuckers, which leave lines of horizontal holes in our street trees, are also growing in number. Tufted Titmouse, singing their “beata-beata” and other songs, can be heard in the trees around Buck and Cat Lakes and along our wooded trails. Sandhill Cranes with their ear-blasting alarm calls, are here year round and breed on our Golf Preserve and elsewhere in Harmony, while Great Blue Herons, Little Blue Herons, and Great Egrets

American Robin

are frequently seen around the ponds. And, of course, our Wild Turkeys are also year-round residents, often “flocking up” in large mixedgender groups in winter.

Birds are some of the most obvious and easily seen and heard of our abundant wildlife in Harmony, or almost anywhere else, for that matter. Next time you head out for a walk, cock an ear and you might be surprised at the wonderful variety of life that surrounds us.

Interested in going for a nature walk around Harmony? Email me at Kerul@me.com, and let’s set it up! n

Swallow-tailed Kites, gorgeous dark gray and white predator birds with deeply forked tails, patrol the skies in spring time. You can hear the Northern Parula’s descending trill high January 2019 | Harmony Life Magazine 11

DEAR MOM OF LITTLE ONES...

By Stephanie Milfeld

PHOTO COURTESY OF STEPHANIE MILFELD

I

see you. I see your yawn. I see your sleepy eyes while rocking your sweet little bundle and patting their butt hoping for them to close their eyes for just a few hours. I see your messy bun because not only is it convenient but it hides the slightly greasy pieces of hair. I see the sigh of relief when you feel like a million bucks because you got to take a shower long enough to shave your legs at 9pm after the kids were in bed. I see you late at night as tired as you are watching trashy reality TV because it’s the only time you can switch off the cartoons to watch your own show in peace. I see you at the grocery store going straight to the bakery for that free cookie so you can rush through and try to grab everything you need before the kids consume it. I see you with one kid on your hip, stirring the pot for dinner and listening to everything that happened at school that day from your other child. I see you hiding in the pantry eating your piece of chocolate so they don’t see you and ask for some. I see you rushing for practice, to games, to birthday parties and ful-

filling your child's social calendars just reminiscing about the days it was your own social calendar that was once jam-packed.

I also see you being an amazing mother to your children. I see you making memories with them. I see you wiping tears, giving snuggles, chasing them around the house pretending to be a monster or hiding from them being the monster. I see you spending your holiday gift cards on your kids and if someone gave you $100 you would probably go get something that they need or want. Mom, you are doing an amazing job. You are rocking this. They are only little for so long, so embrace it and remember every day gets a little bit easier. You are not alone in the struggles, we are all here to support you and love on you as well. Keep up the great work.

Sincerely, The mom who is going through the same exact thing

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HARMONY INCIDENT REPORT—November 2018 DATE

INCIDENT

NATURE

LOCATION

CODE

11/01/2018................. 18I110849..............................ACCIDENT INJ 4.............................................FIVE OAKS DR & E IRLO BRONSON MEM HWY...............................................................X 11/01/2018................. 18I110874..............................MISSING JUV 8..............................................CLAY BRICK RD...............................................................................................................R 11/01/2018................. 18I110878..............................FRAUD 39R....................................................CORDGRASS PL..............................................................................................................R 11/01/2018................. 18I111087..............................MISSING JUV REC..........................................CLAY BRICK RD...............................................................................................................S 11/02/2018................. 18I111283..............................FRAUD 39R....................................................DARK SKY DR.................................................................................................................R 11/02/2018................. 18I111300..............................ATT TO CONTACT...........................................SUNDROP ST..................................................................................................................F 11/02/2018................. 18I111351..............................DIST 22I.........................................................CAT BRIER TRL................................................................................................................F 11/02/2018................. 18I111520..............................TRAFFIC STOP...............................................FIVE OAKS DR; EAST END...............................................................................................R 11/03/2018................. 18I111659..............................INVESTIGATE 17.............................................FIVE OAKS DR; E END HARMONY WOODED AREA..........................................................X 11/03/2018................. 18I111841..............................SUSP PERSON 13P........................................E IRLO BRONSON MEM HWY; SUNOCO..........................................................................F 11/04/2018................. 18I112087..............................DIST 22I.........................................................HABITAT DR....................................................................................................................F 11/05/2018................. 18I112427..............................LEWD/LASC 43R............................................SCHOOLHOUSE RD.........................................................................................................F 11/06/2018................. 18I112516..............................SUSP INC 13I.................................................ARTHUR J GALLAGHER BLVD; OSCEOLA CO SO TRAINING FACILIT................................L 11/06/2018................. 18I112713..............................CHILD ABUSE 16R..........................................POND PINE RD................................................................................................................R 11/06/2018................. 18I112790..............................HARASSMENT 63R........................................DARK SKY DR.................................................................................................................F 11/07/2018................. 18I112875..............................THREATS 14I..................................................ARTHUR J GALLAGHER BLVD..........................................................................................R 11/07/2018................. 18I113044..............................FIELD INTERVIEW...........................................E IRLO BRONSON MEM HWY & HARMONY SQUARE DR................................................E 11/07/2018................. 18I113185..............................STOLEN TAG 9...............................................CORDGRASS PL..............................................................................................................R 11/09/2018................. 18I113652..............................RECKLESS OP 29I..........................................E IRLO BRONSON MEM HWY & ARTHUR J GALLAGHER BLVD........................................V 11/09/2018................. 18I113895..............................SUSP INC 13I.................................................BRACKEN FERN DR.........................................................................................................F 11/10/2018................. 18I114018..............................NOISE COMPL 74I..........................................BLAZING STAR LN...........................................................................................................V 11/11/2018................. 18I114531..............................DRUNK DRIVER 1...........................................E IRLO BRONSON MEM HWY & HARMONY SQUARE DR................................................A 11/12/2018................. 18I114642..............................SUSP VEH 13V...............................................E IRLO BRONSON MEM HWY; SUNOCO.......................................................................... I 11/13/2018................. 18I115193..............................STOLEN TAG 9...............................................E IRLO BRONSON MEM HWY & HARMONY SQUARE DR................................................B 11/14/2018................. 18I115431..............................MISC SERVICE 18..........................................E IRLO BRONSON MEM HWY & ARTHUR J GALLAGHER BLVD........................................F 11/15/2018................. 18I115824..............................RECKLESS OP 29I..........................................E IRLO BRONSON MEM HWY & WILD TURKEY LN..........................................................V 11/15/2018................. 18I115853..............................SUSP INC 13I.................................................BRACKEN FERN DR.........................................................................................................F 11/16/2018................. 18I116093..............................CRIM MISCH 40R...........................................ARTHUR J GALLAGHER BLVD..........................................................................................R 11/18/2018................. 18I116903..............................MISSING JUV 8..............................................CLAY BRICK RD...............................................................................................................R 11/18/2018................. 18I116982..............................MISSING JUV REC..........................................CLAY BRICK RD...............................................................................................................R 11/19/2018................. 18I117383..............................MISC SERVICE 18..........................................CAT BRIER TRL................................................................................................................X 11/20/2018................. 18I117413..............................RECKLESS OP 29I..........................................E IRLO BRONSON MEM HWY & TURN AROUND BAY RD.................................................V 11/20/2018................. 18I117537..............................ABANDON VEH 11..........................................RED LANTERN DR...........................................................................................................X 11/20/2018................. 18I117681..............................911 DISCONNECT..........................................CUPSEED LN...................................................................................................................X 11/22/2018................. 18I118365..............................THREATS 14I..................................................MIDDLEBROOK PL..........................................................................................................R 11/23/2018................. 18I118692..............................RECKLESS OP 29I..........................................E IRLO BRONSON MEM HWY & HARMONY SQUARE DR................................................V 11/25/2018................. 18I119354..............................CIVIL MATTE 66I.............................................BRACKEN FERN DR.........................................................................................................Q 11/25/2018................. 18I119373..............................CIVIL MATTE 66R...........................................BRACKEN FERN DR.........................................................................................................Q 11/28/2018................. 18I120161..............................ACCIDENT NO INJ..........................................FIVE OAKS DR & E IRLO BRONSON MEM HWY..............................................................TR 11/28/2018................. 18I120164..............................RECKLESS OP 29I..........................................E IRLO BRONSON MEM HWY & TURN AROUND BAY RD................................................. I 11/28/2018................. 18I120174..............................INFORMATION................................................SCHOOLHOUSE RD.........................................................................................................R 11/28/2018................. 18I120249..............................BURG RESIDENCE..........................................SUNDROP ST.................................................................................................................AR 11/28/2018................. 18I120430..............................BATTERY AGG 45R.........................................FIVE OAKS DR................................................................................................................AR 11/29/2018................. 18I120566..............................INVESTIGATE 17.............................................BAYFLOWER AVE.............................................................................................................X 11/29/2018................. 18I120698..............................SUSP INC 13I.................................................FORTY BANKS RD...........................................................................................................R 11/29/2018................. 18I120704..............................INVESTIGATE 17.............................................FIVE OAKS DR.................................................................................................................X 11/30/2018................. 18I120819..............................RECKLESS OP 29I..........................................E IRLO BRONSON MEM HWY & ARTHUR J GALLAGHER BLVD........................................ I 11/30/2018................. 18I120893..............................INFORMATION................................................SCHOOLHOUSE RD.........................................................................................................R 11/30/2018................. 18I121043..............................DISABLED VEH 12..........................................HARMONY SQUARE DR & E IRLO BRONSON MEM HWY; E/O HARMONY.......................P 11/30/2018................. 18I121083..............................SUICIDE ATT 34I.............................................CAT BRIER TRL................................................................................................................R

DISPOSITION CODES A - ARREST B - VERBAL WARNING C - CITATION ISSUED D - NOTICE TO APPEAR ISSUED E - FI CARD ISSUED F - COMPL CONTACTED G - COMPL GONE ON ARRIVAL H - GREEN TAG ISSUED

I - SUSP CONTACTED J - SUSP GONE ON ARRIVAL K - UNFOUNDED L - PROPERTY SECURE M - FALSE ALARM N - ASSIST OTHER AGENCY O - TRAFFIC CONTROL P - MOTORIST ASSIST

14 Harmony Life Magazine | January 2019

Q - CIVIL MATTER R - REPORT S - SUPPLEMENT T - TRESPASS WARNING ISSUED U - REFERRED TO OTHER AGENCY V - AREA CHECKED UNABLE TO LOCATE W - PX CHECK/ALL IN ORDER

X - NO POLICE ACTION Z - PARKING TICKET WW - WRITTEN WARNING DUP - DUPLICATE CALL TOT - TRANSFERRED TO ANOTHER AGENCY COM - HANDLED BY DISPATCH

Professional Real Estate Photos and Videos k@Studionine13.com | 407-744-8387 StudioNine13FL

StudioNine13

StudioNine13 January 2019 | Harmony Life Magazine 15

QUICK REFERENCE DIRECTORY ACUPUNCTURE Coudray Acupuncture Dr. Catherine Coudray, OMD 1716 East Irlo Bronson Memorial Hwy. St. Cloud, FL 34771 321-303-5240 CoudrayAcupuncture.shop ADVERTISING & MAGAZINES Harmony Life, Nona Woman and Twin Lakes Magazines Bill Bokunic 321-331-6398 Bill@QMCWorld.com QMCWorld.com AIR-CONDITION SERVICES Access Air Eric Farnsworth *Harmony Resident* 407-921-0760 ELFarnsworth@live.com CARS & TRUCKS Kisselback Ford 1118 13th St., Saint Cloud 407-892-2141 KisselbackFord.com CHILDREN'S BOUTIQUE Z and Q 1014 New York Ave. St. Cloud, FL 34769 ZandQ.com CHURCH Harmony Community Church Meeting 10am Sundays at Harmony High School (844) 444-FBCH HarmonyCommunity.church

CHIROPRACTOR Living Well Chiropractic *Harmony Resident* 4041 13th St. St. Cloud 34768 407-957-1337 LivingWellCFL.com

HOME BUILDERS Jones Homes USAT Twin Lakes 4910 Twin Lakes Blvd., St. Cloud, FL 34772 407-988-3222 TwinLakesFL.com

FINANICAL SERVICES Edward Jones Kerry L. Scott, CRPC 4115 Neptune Rd. St. Cloud, FL 34769 407-498-0147 EdwardJones.com

HOME INSPECTORS Budget Services 407-892-8811

GARAGE DOORS & OPENERS D.S.I. Sales / Service / Repairs 407-970-5847 dsigaragedoor@yahoo.com dsigaragedoorandopener.com GOLF CARTS Diesel's Custom Carts Sales / Service / Repairs / Rentals 407-847-5444 DieselCustomCarts.com GOLF CLUB Eagle Creek Golf Club 10350 Emerson Lake Blvd.

Orlando, FL 32832 407-273-4653 EagleCreekOrlando.com HAIR Blush Boutique and Salon 1016 New York Ave. St. Cloud 407-593-1032 Victor Russell Salon 105 East 13th Street Saint Cloud, FL 407-892-1005 VictorRussell.com

16 Harmony Life Magazine | January 2019

LAWN CAR Triple Palm Lawns *Harmony Resident* 407-957-3489 TriplePalmLawn@aim.com MORTGAGE LENDING Mortgage Equity Partners Julie Bretz-Swinarksi 407-758-3443 jbretz@meploans.com

HOME ORGANIZER Juliana Daurio 321-946-2180 juliana@ orlandohomeorganizer.com OrlandoHomeOrganizer.com

MOVIE THEATER Cinema World

HOSPITALS Health First-Holmes Regional Health Care 1350 South Hickory St. Melbourne, FL 32901 321-434-7000

MUSIC LESSONS Harmony Performance Arts Studio Amber Lanning Ellen Short Voice/Piano/Acting 682-936-9551

St. Cloud Regional Medical Center 2906 17th St., St. Cloud 407-892-2135 HOUSE CLEANING Molly Maid of Kissimmee, St. Cloud & Lakeland 407-498-2256 MollyMaid.com INSURANCE Brightway Insurance, The Sterner Agency 407-891-9361 BrightwaySterner.com Healthcare Solutions Team Kim Kirsch 407-870-3462 kkirsch@myhst.com

East of 95 on 192 next to Sam’s Club

Melbourne, FL CWTheaters.com

ORTHODONTIST Lach Orthodontic Specialists 407-365-1960 Lach-Ortho.com

PHYSICIANS St. Cloud Medical Group 1700 E. Irlo Bronson Memorial Hwy., St Cloud, FL 407-891-2965 StCloudPhysicians.com PRINTERS Creative Printing Services 1115 Pennsylvania Ave. Saint Cloud, FL 34769 407-891-9797 Lucky Dog Printing *Harmony Resident* 1014 New York Ave. St. Cloud, FL 34769 407-593-6984 REAL ESTATE The Corcoran Connection, LLC *Harmony Resident* Jeanine Corcoran Owner/Broker Buy/Sell/Rent/Property Mgmt.

407-953-9118 TheCorcoranConnection.com RESTAURANT Koffee Kup 1407 13th Street St. Cloud, FL 34769 Under the Water Tower 407-891-81488 TheKoffeeKup.com

PAINTING & PRESSURE WASHING Champions Property Maintenance *Harmony Resident* TRAVEL Joe Murray, 407-766-5051 Meisner Cruise and Travel *Harmony Resident* PEST CONTROL 407-738-7088 Luv-A-Lawn & Pest Control tvlwithlinda@gmail.com 407-908-9139 Facebook: Harmony Get Aways With Meissner Travel PET GROOMING WATER SYSTEMS 5 Star Mobile Pet Grooming Dependable Water Treatment 407-750-7228 407-242-7150 Serving Harmony, St. Cloud & Lake Nona

FREE ESTIMATES ®

Proudly Serving the Harmony, Eagle Creek & Bay Lake Communities LOCALLY OWNED & OPERATED • SERVING CENTRAL FLORIDA FOR MORE THAN 25 YEARS!

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PEST CONTROL

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YOUR FIRST

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If severe hip or knee pain is interfering with your active life, turn to the orthopaedic specialists at St. Cloud Regional Medical Center. We provide services that range from pain management to total joint replacement, plus the full scope of physical therapy. To find out more about treatment options that may be right for you, attend our free joint pain seminar.

PAIN-FREE LIVING STARTS HERE.

REGISTER FOR A FREE SEMINAR Call 407-809-4535, or visit StCloudRegionalOrtho.com.

January 23 • Noon 1600 Budinger Ave., Suite E St. Cloud

Patient results may vary. Consult your physician about the benefits and risks of any surgical procedure or treatment.

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