$349,500
2962 Harlow Avenue
St Cloud, FL 34772
Listing updated: August 13, 2026 at 7:23 PM ET
Listing courtesy of Florida Realty Investments · Patricia Camacho · MLS #O6392777 · Active · 407-207-2220Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
BACK ON MARKET, BUYER UNABLE CLOSE | PRICE BELOW VA APPRAISAL | NEW A/C 2025 | $40K+ IN UPGRADES | EXPANDED PAVER PATIO | COVERED OUTDOOR LIVING AREA | HURRICANE PANELS INCLUDED. Move-in ready and meticulously maintained, this 3-bedroom, 2-bath home offers a rare combination of meaningful upgrades, privacy, and exceptional outdoor living. The previous buyer was unable to complete the purchase due to financial circumstances, creating a new opportunity for qualified buyers. One of the home’s standout features is the backyard: an EXPANDED PAVER PATIO, FULL PVC PRIVACY FENCE, screened lanai, and CUSTOM COVERED OUTDOOR LIVING AREA complete with ceiling fans, lighting, and blackout curtains—creating an ideal space for entertaining, outdoor dining, and year-round Florida living. Inside, you’ll find a bright split-bedroom floor plan, quartz countertops and backsplash, stainless steel appliances, luxury vinyl flooring, tastefully refreshed bathrooms with updated lighting, fixtures, and decorative accent features, and a spacious primary suite overlooking the backyard with dual sinks, a soaking tub, separate shower, and walk-in closet. Additional highlights include a NEW A/C SYSTEM (2025), beautiful pond views, a two-car garage, and a COMPLETE HURRICANE PROTECTION PACKAGE with CUSTOM-FITTED ALUMINUM PANELS for all exterior-facing openings. Designed specifically for the home, these lightweight yet durable panels are easy to store, handle, and install when needed, providing reliable storm protection and valuable peace of mind during Florida’s storm season. The complete hurricane protection package will convey with the property. Conveniently located close to grocery stores, pharmacies, shopping, dining, and everyday conveniences, with easy access to NARCOOSSEE ROAD, FLORIDA’S TURNPIKE, ORLANDO INTERNATIONAL AIRPORT, Lake Nona, downtown Orlando, and Central Florida’s most popular attractions. Last picture was digitally enhanced and virtually staged for illustrative purposes. Schedule your private showing today!
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 history124 days on market
- Status: ActiveJun 17, 2026
- Listed$368,000Mar 26, 2026
- Price reduced$349,500
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 124
- Subdivision
- Gramercy Farms Ph 4
- County
- Osceola
- Year built
- 2018
- Living area
- 1,527 sq ft
- Price/sq ft
- $229
- Building area
- 2,086 sq ft (Public Records)
- Lot size
- 6,970 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0260G)
- Garage
- 2 spaces
- Annual taxes
- $6,679 (2025)
- Parcel #
- 19-26-31-0161-0001-2220
- Zoning
- RES
- MLS #
- O6392777
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Laminate, Vinyl
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Freezer, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, 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
- No
- Parking features
- Garage Door Opener
HOA & Financial
- HOA fee
- $102 / Annually
- Monthly HOA
- $9/mo
- Total monthly fees
- $9/mo
- Total annual fees
- $102
- HOA name
- Rizzetta and Company, Inc
- CDD
- Yes
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Buyer and/or buyer agent to verify with the HOA
- Approval process
- Buyer and/or buyer agent to verify with the HOA
Exterior & Construction
- Exterior features
- Private Yard, Rain Gutters, Sidewalk, Sliding Doors
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Water view
- Yes
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Public
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 15x12 |
| Bedroom 2 | First | 13x11 |
| Bedroom 3 | First | 13x12 |
| Kitchen | First | 15x10 |
| Living Room | First | 16x13 |
| Dining Room | First | 11x14 |
Listing Details
- Listing date
- 2026-03-26
- On market date
- 2026-03-26
- Original list price
- $368,000
- Occupant type
- Owner
- MLS area
- 34772 - St Cloud (Narcoossee Road)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-06-17
- Tax legal description
- GRAMERCY FARMS PH 4 PB 26 PGS 79-82 LOT 222
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
Coming from Hickory Tree Rd, turn right onto Old Hickory Tree Rd. Continue on Gramercy Farms Blvd. for 0.3 miles. Take the 2nd exit from the roundabout onto Gramercy Farms Blvd. After 0.2 miles, turn a left on Harlow Ave. The house will be facing the beautiful pond 0.4 miles after.
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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 August 13, 2026 at 7:23 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.
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