$400,000
2541 Harmonia Hammock Road
St Cloud, FL 34773
Listing updated: June 11, 2026 at 11:37 AM ET
Listing courtesy of Lovejoy Professional Realty, Inc · Paul Chisholm · MLS #O6386837 · Active · 321-614-0588Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
This popular one-story home offers 3 bedrooms, 2 bathrooms, and a 2-car garage with 1,672 square feet of thoughtfully designed living space. The open-concept layout seamlessly connects the living room, dining area, and kitchen—perfect for entertaining or everyday living. The kitchen is a standout feature, showcasing granite countertops, stainless steel appliances, a spacious pantry, and a large center island ideal for meal prep and gathering. Natural light fills the spacious living area, creating a bright and welcoming atmosphere. The private primary suite, located at the rear of the home, features an ensuite bathroom with dual sinks, a separate shower, and a generous walk-in closet. Two additional well-sized bedrooms share a beautifully appointed full bathroom, offering flexibility for guests, family, or a home office. The laundry room is conveniently located near all bedrooms for added ease. Built with durable concrete block construction, this home also includes smart home technology, allowing you to control features from your smart devices. Residents enjoy access to premium community amenities, including a resort-style pool, playground, and fitness center, enhancing the lifestyle this home offers.
Local Insight
At $239/sqft for a 2023 build in a 55+ community with low HOA fees, this property offers solid value for buyers seeking active adult amenities and golf-centric lifestyle without the premium pricing of waterfront lots elsewhere in Harmony. The tight 0.16-acre lot and modest 1,676 sqft footprint mean you're paying for access to the community infrastructure—golf course, Buck Lake, resort-style amenities—rather than land or square footage, so this works best for downsizers or empty nesters, not buyers looking for privacy or resale upside. The X flood zone is a genuine advantage in Central Florida, and being brand new means no immediate maintenance surprises, but you'll want to verify long-term appreciation potential given the buyer-specific restrictions of the 55+ age gate.
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 history101 days on market
- Status: ActiveMar 2, 2026
- Listed$410,000Mar 2, 2026
- Price reduced$400,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 101
- Subdivision
- Villages At Harmony Ph 1c-2
- County
- Osceola
- Year built
- 2023
- Living area
- 1,676 sq ft
- Price/sq ft
- $239
- Lot size
- 6,970 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0285G)
- Garage
- 2 spaces
- Annual taxes
- $6,366 (2025)
- Parcel #
- 24-26-31-3495-0001-3760
- Zoning
- RES
- MLS #
- O6386837
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Ceramic Tile
- Appliances
- Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air, Attic Fan
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $37 / Monthly
- Monthly HOA
- $37/mo
- Total monthly fees
- $37/mo
- Total annual fees
- $444
- HOA name
- Association Solutions of Central Florida
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Private Yard
- Construction materials
- Block, Concrete
- Roof
- Shingle
- Foundation
- Block, Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Available
Community
- Pets allowed
- Yes
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | |
| Primary Bathroom | First | |
| Bedroom 1 | First | |
| Bathroom 1 | First | |
| Bedroom 2 | First | |
| Living Room | First | |
| Kitchen | First |
Listing Details
- Listing date
- 2026-03-02
- On market date
- 2026-03-02
- Original list price
- $410,000
- Occupant type
- Owner
- MLS area
- 34773 - St Cloud (Harmony)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-03-02
- Tax legal description
- VILLAGES AT HARMONY PH 1C-2 PB 30 PGS 198-199 LOT 376
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
From downtown St Cloud, turn left Massachusetts Ave on 9th St. turn right onto 13th St. (US-192 W/US-441 N) Make a U-Turn onto 13th St (US-192 E/US-441 S). Turn left onto Botanic Blvd. Turn left onto Harmonia Hammock Rd. End at 2541 Harmonia Hammock Rd St Cloud, Florida 34773-6151
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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 11, 2026 at 11:37 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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