$411,900
7642 Bent Tree Loop
St Cloud, FL 34773
Listing updated: June 23, 2026 at 5:07 PM ET
Listing courtesy of Adams Homes Realty, Inc · Michael Soto · MLS #O6418564 · Active · 850-469-0977Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Experience the perfect blend of comfort, style, and convenience in this brand-new, move-in-ready 3-bedroom, 2-bath home located in the desirable Harmony Central community. Designed with modern living in mind, this home features soaring ceilings, an open-concept layout, and beautiful conservation views that create a peaceful and inviting atmosphere. The heart of the home is the spacious kitchen, highlighted by a large center island perfect for meal preparation, entertaining, and everyday gatherings. Adjacent to the kitchen, the bright dining area features a charming bay window that fills the space with natural light. The open living area seamlessly connects the main living spaces, creating an ideal setting for both relaxation and hosting guests. The private primary suite serves as a tranquil retreat, offering vaulted ceilings and serene conservation views for added privacy and relaxation. Two additional bedrooms are generously sized and provide ample closet space for family, guests, or a home office setup. A separate formal dining room adds versatility and can easily be used as a flex space, home office, or playroom to fit your lifestyle needs. Additional peace of mind comes with the builder’s warranty. Take advantage of incredible builder incentives available for a limited time, including all closing costs paid when using a preferred lender and up to $10,000 in Flex Cash that may be used to buy down your interest rate, helping make your monthly payment more affordable. Harmony Central residents enjoy NO CDD fees, a low HOA, and access to outstanding community amenities, including a resort-style swimming pool and dog park. Conveniently located near shopping, dining, schools, and major roadways, this community offers the perfect balance of tranquility and accessibility. Don’t miss this opportunity to own your piece of Harmony and enjoy the lifestyle you’ve been looking for. Builder incentives, closing cost assistance, and financing programs are subject to change. Buyer should verify all incentives and financing terms directly with the builder and preferred lender.
Local Insight
At $231/sqft for brand-new construction in a master-planned golf community, this property is competitively priced, but you're paying for the Harmony lifestyle and amenities rather than location convenience—St. Cloud isn't a major job center, so this works best if you're retired, remote, or golf-focused. The $75 monthly HOA is reasonable for what Harmony offers, though the tight 0.14-acre lot means you're getting a compact footprint in exchange for resort-style community access, making this ideal for active adults or empty nesters who want amenities over land.
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 history3 days on market
- Status: ActiveJun 20, 2026
- Listed$411,900Jun 20, 2026
- Price increased$411,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 3
- Subdivision
- Harmony Central Ph 2
- County
- Osceola
- Year built
- 2026
- Living area
- 1,780 sq ft
- Price/sq ft
- $231
- Building area
- 2,122 sq ft (Builder)
- Lot size
- 6,098 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X 500
- Garage
- 2 spaces
- Annual taxes
- $831 (2025)
- Parcel #
- 32-26-32-3666-0000-0070
- Zoning
- X 500
- MLS #
- O6418564
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Tile
- Appliances
- Dishwasher, Electric Water Heater, Microwave, Range
- Interior features
- Ceiling Fans(s), Crown Molding, High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Thermostat, Walk-In Closet(s)
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- East
- New construction
- Yes
Heating & Cooling
- Heating
- Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway
HOA & Financial
- HOA fee
- $904 / Annually
- Monthly HOA
- $75/mo
- Total monthly fees
- $75/mo
- Total annual fees
- $904
- HOA name
- Pedro Gutierrez
- 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
- Exterior features
- Sidewalk
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- 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 |
|---|---|---|
| Kitchen | First | |
| Living Room | First | |
| Dining Room | First | |
| Primary Bedroom | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First |
Listing Details
- Listing date
- 2026-06-19
- On market date
- 2026-06-20
- Original list price
- $411,900
- Occupant type
- Vacant
- MLS area
- 34773 - St Cloud (Harmony)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-06-20
- Tax legal description
- HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK O LOT 7
Flood risk
See FEMA for this zone’s designation and insurance requirements.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Narcoossee Road, take 192 E. for 8 miles towards Melbourne, continue past Harmony, high school and Harmony, Maine, harmony Central would be located 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 June 23, 2026 at 5:07 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.
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