$463,900
3204 Oxbow Ct
St Cloud, FL 34773
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Check it Out! Welcome home to this beautifully maintained 4-bedroom, 3-bathroom home built in 2022, located in a gated golf course community and zoned for the sought-after Harmony neighborhood schools. This one-owner home sits on a premium lot with a fully fenced backyard that backs up to privacy—perfect for relaxing evenings, pets, or playtime. From the moment you arrive, you’ll notice the attention to detail, with paver driveway and porches, plantation shutters, crown molding throughout the 1st floor, gutters and a whole-house water system already in place. Inside, the open and functional layout includes a flex room and full bathroom on the main floor—ideal for guests, a home office, or even a playroom. The gourmet kitchen is a true highlight, featuring stainless steel appliances, quartz countertops, and plenty of space for cooking, hosting, and gathering. Upstairs, all bedrooms are conveniently located near the spacious laundry room, keeping chores simple and organized. Whether you're looking for comfort, style, or convenience, this home checks all the boxes. You’ll be just minutes from the beaches and less than an hour to Orlando’s theme parks and international airport—giving you the best of both Florida fun and everyday practicality. Don’t miss your chance to own a move-in-ready home in a great location with top-rated schools!
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 history72 days on market
- Status: ActiveFeb 19, 2026
- Listed$469,000Feb 19, 2026
- Price reduced$463,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 72
- Cumulative DOM
- 251
- Subdivision
- Enclave At Lakes Of Harmony
- County
- Osceola
- Year built
- 2022
- Living area
- 2,361 sq ft
- Price/sq ft
- $196
- Building area
- 3,034 sq ft (Public Records)
- Lot size
- 4,792 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X
- Garage
- 2 spaces
- Annual taxes
- $6,065 (2024)
- Parcel #
- 20-26-32-3496-0001-0100
- Zoning
- LDR
- MLS #
- S5144242
Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Carpet, Tile
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Living Room/Dining Room Combo, Solid Surface Counters, Split Bedroom, Thermostat, Window Treatments
- Laundry
- Inside, Laundry Room, Upper Level
- Stories / Levels
- Two
- Direction faces
- North
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
- $216/mo
- Total annual fees
- $2,588
- HOA name
- MARK HILL
- CDD
- Yes
- Homestead exemption
- Yes
- Min lease term
- 7 Months
- Listing terms
- Assumable, Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- CHECK WITH HOA AND COUNTY
- Approval process
- CHECK WITH HOA AND COUNTY
Exterior & Construction
- Exterior features
- Rain Gutters, Sliding Doors
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Connected
Community
- Pets allowed
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 15x17 |
| Kitchen | First | 18x10 |
| Dining Room | First | 14x15 |
| Primary Bedroom | Second | 18x16 |
| Bedroom 2 | Second | 12x11 |
| Bedroom 3 | Second | 12x11 |
| Bedroom 4 | First | 12x12 |
Listing Details
- Listing date
- 2026-02-19
- On market date
- 2026-02-19
- Original list price
- $469,000
- Occupant type
- Owner
- MLS area
- 34773 - St Cloud (Harmony)
- Listing AOR
- Osceola
- Status changed
- 2026-02-19
- Tax legal description
- ENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 10
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
Exit off the turnpike then turn east onto 192 to the 2nd Harmony entrance, or 1st if coming from Melbourne. Turn right onto Five Oaks Dr. Turn left into Harmony Enclave. Go through the gate. At the first stop sign turn left onto Oxbow Ct and the home will be on your left.
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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 May 2, 2026 at 5:59 PM 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.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA