7642 Bent Tree Loop, FL7642 Bent Tree Loop, FL7642 Bent Tree Loop, FL
Stellar MLS
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$366,900

7642 Bent Tree LoopSt Cloud, FL 34773

Listing updated: October 2, 2026 at 9:53 PM ET

Active
Stellar MLSListing courtesy of Adams Homes Realty, Inc · Jannette Rodriguez · MLS #O6418564 · Active · 850-469-0977
3
Beds
2
Baths
1,780
Sq Ft
0.14
Acres
2026
Built
◆New construction◆$206/sqft◆360° tour
Single Family Residence

Property type

2026

Year built

6,098 sqft

Lot size

$206

Price / sq ft

$75/mo

HOA dues

104

Days on market

2

Garage spaces

X 500

Flood zone

About this home

SAVE UP TO APPROXIMATELY $2,401.90 PER YEAR IN CDD ASSESSMENTS + $15,000 FLEX CASH + THOUSANDS IN CLOSING-COST SAVINGS! Imagine coming home, stepping onto the covered lanai and looking out over a peaceful green conservation area instead of directly into another backyard. 7642 Bent Tree Loop combines that added privacy with the comfort and savings of brand-new construction. Now offered at $366,900, this move-in-ready Adams Home features conservation view and flexible dining/office space. This 3-bedroom, 2-bath 1780A plan offers efficient single-story living, a private primary suite and two additional bedrooms that can support guests, remote work or hobbies. The open-concept living area connects naturally to the kitchen, where granite countertops, Whirlpool stainless-steel appliances, generous cabinetry and a large center island create an inviting place for meals and entertaining. The private primary suite provides a comfortable retreat, while the covered lanai extends the living space outdoors. Harmony Central has NO CDD. Compared with the highest published FY2026 annual CDD assessment of approximately $2,401.90 in certain nearby competing new-home communities, that represents savings of approximately $200 per month—or nearly $24,019 over 10 years if the assessment remained unchanged. This home also receives $15,000 IN FLEX CASH that can be used to lower the interest rate and create even more savings on the monthly mortgage payment. When using the builder’s preferred lender, the BUILDER PAYS CLOSING COSTS EXCLUDING PREPAIDS—saving buyers thousands more at closing. Secure this home with only a $1,000 deposit. Harmony Central also offers a low HOA, a community pool with cabanas, a dog park and walking trails—all without the additional CDD assessment. NEW PRICE: $366,900 CONSERVATION VIEW AND FLEXIBLE DINING/OFFICE SPACE NO CDD $15,000 FLEX CASH BUILDER-PAID CLOSING COSTS ONLY $1,000 DEPOSIT This is an opportunity to enjoy a brand-new home, lower the interest rate and keep more money in your budget every month. Schedule your private showing today before the current incentives change. CDD comparison is based on the highest published FY2026 assessment for certain nearby properties and varies by lot size, bond area and property. The 10-year figure is a simple projection assuming no assessment changes. Builder-paid closing costs exclude prepaids and require the use of a preferred lender. The use of Flex Cash, financing programs and incentives is subject to current lender and program guidelines and availability.

Estimated monthly payment

Principal & interest$1,855
Property taxes$69
Home insurance (est.)$168
HOA dues$75

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 history104 days on market

  1. Status: Active
    Jun 20, 2026
  2. Listed$411,900
    Jun 20, 2026
  3. Price reduced$366,900

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
104
Subdivision
Harmony Central Ph 2
County
Osceola
Year built
2026
Living area
1,780 sq ft
Price/sq ft
$206
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

ElementaryHarmony Community School (K-5)GreatSchools ↗
MiddleAHarmony MiddleGreatSchools ↗
High SchoolAHarmony HighGreatSchools ↗

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

RoomLevelDimensions
KitchenFirst
Living RoomFirst
Dining RoomFirst
Primary BedroomFirst
Bedroom 2First
Bedroom 3First

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

Zone X 500FEMA Zone X 500

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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MLS GRID

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 October 2, 2026 at 9:53 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.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA