


$336,900
7563 Bent Tree LoopSt Cloud, FL 34771
Listing updated: November 6, 2026 at 2:07 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
7563 BENT TREE LOOP | HARMONY CENTRAL | ST. CLOUD, FLORIDA NEW CONSTRUCTION - $336,900. 3 bedrooms, 2 full baths, 1,515 sq ft. 2-car garage, granite counters, stainless appliances. PROMOTION & CLOSING-COST SAVINGS PRICE REDUCED $45,000; reduction already reflected in the advertised price. Does the builder pay closing costs? Save thousands with builder-paid closing costs using a preferred lender; prepaids excluded. What is the promotion? Free washer, dryer and refrigerator received after closing. $10,000 Flex Cash may be used toward eligible purchase expenses or an interest-rate buydown, subject to builder, lender and loan-program terms. New contract must be executed by November 1, 2026, with no contingencies and a 30-day closing in November 2026. A $1,000 contract deposit reserves the home; additional funds may be required at closing. For contracts executed by November 1, 2026, receive a 1% Buyer Credit when working with Acrisure, one of the builder's preferred lenders, subject to eligibility and lender terms. Ask the onsite sales team for complete incentive terms and availability. HARMONY CENTRAL FAQs 1. Why St. Cloud? New housing, affordability and recreation. 2. Alternative to Lake Nona? Potentially more home for your budget. 3. Medical City distance? Website: about 20 minutes. 4. Under 5% down? Options may exist for qualified borrowers. 5. Buy versus rent? Compare mortgage costs, rent and potential equity. 6. Living in Harmony? Small-town surroundings with modern conveniences. 7. What attracts families? Activities, green spaces and nearby services. 8. Amenities? Pool with cabanas and dog park. Verify access to other Harmony facilities. 9. Schools? Harmony Community, Harmony Middle and Harmony High; verify district assignments. 10. What distinguishes Harmony Central? Master-planned setting and recreation. 11. MCO distance? Website estimates 25 minutes. 12. Downtown Orlando commute? Website estimates 35 minutes. Travel times vary with traffic. 13. Medical City employees? Access to healthcare workplaces. 14. Employers? Healthcare, universities, theme parks, Amazon and schools within commuting distance. 15. Remote work? Bedrooms or available flex space can accommodate work. 16. First-time buyer programs? Assistance may apply. 17. USDA financing? Lender must verify property and borrower eligibility. 18. Income needed? Depends on price, loan, credit and debts. 19. Why new construction? Modern layouts, efficiency and warranties. 20. How to tour? Request an appointment to view this home. Harmony Central has NO CDD; HOA fees and property taxes are separate. FHA FINANCING: Estimated initial principal and interest (P&I) $1,773.77/month for months 1-60 at 4.99% initial interest rate, 6.216% APR, through Acrisure. Based on $336,900 price, 3.5% down, financed 1.75% upfront FHA mortgage insurance and a 360-month term. This 5/1 ARM adjusts annually after year 5; rate/payment may increase. Rate caps: 1% first adjustment, 1% annually, 5% lifetime; maximum rate 9.99%. APR may increase after closing. Taxes, homeowners insurance, monthly mortgage insurance, HOA and any CDD charges are additional; total payment will be higher. Owner-occupied primary residence, minimum 640 credit score, subject to credit/loan approval, available funds, rate lock and commitment expiration. Ask sales team/lender for complete terms.
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 history147 days on market
- Status: ActiveJun 12, 2026
- Listed$381,900Jun 12, 2026
- Price reduced$336,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 147
- Subdivision
- Harmony Central Ph 2
- County
- Osceola
- Year built
- 2026
- Living area
- 1,515 sq ft
- Price/sq ft
- $222
- Lot size
- 6,098 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X500 (12097C0295G)
- Garage
- 2 spaces
- Annual taxes
- $831 (2025)
- Parcel #
- 32-26-32-3666-000N-0140
- Zoning
- X
- MLS #
- O6416315
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Dishwasher, Electric Water Heater, Microwave, Range
- Interior features
- High Ceilings, In Wall Pest System, Open Floorplan, Pest Guard System, Solid Wood Cabinets, Stone Counters, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- East
- New construction
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $825 / Annually
- Monthly HOA
- $69/mo
- Total monthly fees
- $69/mo
- Total annual fees
- $825
- HOA name
- Beth Connor
- CDD
- No
- Min lease term
- 7 Months
- Listing terms
- Cash, Conventional, FHA, USDA Loan, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Water Connected
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 |
|---|---|---|
| Great Room | First | |
| Kitchen | First | |
| Primary Bedroom | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First | |
| Primary Bathroom | First | |
| Bathroom 2 | First |
Listing Details
- Listing date
- 2026-06-12
- On market date
- 2026-06-12
- Original list price
- $381,900
- Occupant type
- Vacant
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-06-12
- Tax legal description
- HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK N LOT 14
Flood risk
Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Florida's Turnpike, take Exit 240 toward Kissimmee Park Road. Head east on Kissimmee Park Road for approximately 5 miles. Turn right onto Old Canoe Creek Road, then turn left into Harmony Central. Continue on Sagefield Drive and follow community signs to Bent Tree Loop.
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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 November 6, 2026 at 2:07 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.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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