$371,000
3212 Oxbow Court
Harmony, FL 34773
Listing updated: June 18, 2026 at 9:58 AM ET
Listing courtesy of Fierce Realty · Rachel Coolidge · MLS #S5141393 · Active · 407-758-5179Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Have you been searching for a home in a mature, nature-filled community where lifestyle and serenity go hand in hand? This charming 3-bedroom, 2-bathroom home offers just that. Enjoy miles of scenic paths perfect for walking, running, biking, or cruising by golf cart, along with opportunities to fish and connect with nature. The community hosts festive holiday events, book clubs, dog park meetups, and more—making it easy to stay active and engaged. While all these amenities are close by, the home itself is tucked away at the back of the community, offering exceptional privacy and peace. Backing up to conservation land, the backyard becomes a tranquil retreat where deer and turkeys are frequent visitors. Quiet, private, and surrounded by natural beauty, this home offers the perfect balance of community living and peaceful seclusion. This meticulously maintained 3-bedroom, 2-bath home was built in 2022 and feels like new. Located in the gated family part of Harmony, this home offers both comfort and peace of mind. The open-concept kitchen, dining, and living areas are filled with natural light and seamlessly flow to the back patio, which overlooks conservation land. The primary bedroom is thoughtfully tucked away at the rear of the home, providing privacy from the two guest bedrooms. Don’t miss the opportunity to experience everything this home and community provide. Residents enjoy an impressive array of amenities, including two community pools, basketball, volleyball, and soccer courts, along with numerous playgrounds and parks. All of this is complemented by top-rated A schools, making this an ideal place to call home.
Local Insight
At $235/sqft for a 2022 build in Harmony's gated Enclave, this is priced below the community's typical $400K+ entry point, which suggests either strong value or something worth investigating—check whether it's a floor plan less desirable to the golf/active-adult demographic, or if it's genuinely underpriced relative to comparables. The tight 0.11-acre lot and modest 1,580 sqft footprint mean you're really paying for the Harmony lifestyle (golf course, Buck Lake amenities, 55+ community structure) rather than land or square footage, so make sure the lifestyle justification aligns with your actual priorities before locking in that $87/month HOA commitment long-term.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history156 days on market
- Status: ActiveJan 13, 2026
- Listed$390,000Jan 13, 2026
- Price reduced$371,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 156
- Subdivision
- Enclave At Lakes Of Harmony
- County
- Osceola
- Year built
- 2022
- Living area
- 1,580 sq ft
- Price/sq ft
- $235
- Building area
- 2,208 sq ft (Public Records)
- Lot size
- 4,792 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0285G)
- Garage
- 2 spaces
- Annual taxes
- $6,378 (2025)
- Parcel #
- 20-26-32-3496-0001-0080
- Zoning
- RES
- MLS #
- S5141393
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Tile
- Appliances
- Dishwasher, Disposal, Microwave, Range, Refrigerator
- Interior features
- Ceiling Fans(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Thermostat, Walk-In Closet(s)
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- Northeast
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $260 / Quarterly
- Monthly HOA
- $87/mo
- Total monthly fees
- $87/mo
- Total annual fees
- $1,040
- HOA name
- Association Solutions, Mark Hill
- CDD
- Yes
- Homestead exemption
- Yes
- Min lease term
- 7 Months
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- No short term rentals.
Exterior & Construction
- Exterior features
- Private Entrance, Private Yard, Sidewalk, Sliding Doors
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Available
Community
- Pets allowed
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 10x13 |
| Primary Bedroom | First | 14x15 |
| Bedroom 2 | First | 11x12 |
| Bedroom 3 | First | 11x12 |
| Living Room | First |
Listing Details
- Listing date
- 2026-01-13
- On market date
- 2026-01-13
- Original list price
- $390,000
- Occupant type
- Owner
- MLS area
- 34773 - St Cloud (Harmony)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-01-13
- Tax legal description
- ENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 8
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Drive down 192 from St. Cloud and take your second left into Harmony, take a right onto Five Oaks down to the end and turn left into the gated family part of Harmony and left again, the home will be on your left. If driving down 192 and coming from Melbourne take your first right into Harmony.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of June 18, 2026 at 9:58 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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