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$430,000

2945 Elio Hammock DrHarmony, FL 34773

Listing updated: October 15, 2026 at 12:25 PM ET

Active

Listing courtesy of Orchard Brokerage, Llc · Jessica Collins · MLS #O6427274 · Active · 844-515-9880

Beds

Baths

2,451

Sq Ft

0.11

Acres

2025

Built

◆$175/sqft

Single Family Residence

Property type

2025

Year built

4,210 sqft

Lot size

$175

Price / sq ft

$15/mo

HOA dues

Days on market

Garage spaces

Flood zone

About this home

3.99% ASSUMABLE VA LOAN WITH A CURRENT LOAN BALANCE SUFFICIENT TO COVER THE FULL LIST PRICE, subject to lender approval and buyer qualification. Built in 2025, this nearly new Harmony West home offers a flexible open floor plan with a first-floor bedroom and full bathroom, ideal for guests, a home office or additional living space. The kitchen opens to the dining and living areas and features granite countertops, stainless steel appliances and a center island. Upstairs, the primary suite features a walk-in closet and private bath, with three additional bedrooms and the laundry room conveniently located on the same level. Enjoy a 2-car garage, irrigation and Harmony West amenities including a community pool, clubhouse, playground, dog park and walking trails. Located in Harmony near St. Cloud. Loan assumption is subject to lender approval, buyer qualification, existing loan terms and applicable requirements. ***This home has been virtually staged***

Estimated monthly payment

Principal & interest$2,174

Property taxes$81

Home insurance (est.)$197

HOA dues$15

Down payment

20%

$86,000 downRate

6.5%

Term

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 history84 days on market

Status: Active
Jul 23, 2026
Listed$460,000
Jul 23, 2026
Price reduced$430,000

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 84
Subdivision: Villages/Harmony Ph 2e & 2f
County: Osceola
Year built: 2025
Living area: 2,451 sq ft
Price/sq ft: $175
Building area: 2,922 sq ft (Public Records)
Lot size: 4,210 sq ft
Lot category: 0 to less than 1/4
Flood zone: X
Garage: 2 spaces
Annual taxes: $970 (2025)
Parcel #: 18-26-32-5376-0001-1020
Zoning: RES
MLS #: O6427274

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Interior Details

Bedrooms: 5
Full bathrooms: 3
Flooring: Carpet, Ceramic Tile
Appliances: Dishwasher, Microwave, Range, Refrigerator
Interior features: Eat-in Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Walk-In Closet(s)
Laundry: Inside, Laundry Room
Stories / Levels: Two
Direction faces: Southeast

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes

HOA & Financial

HOA fee: $44 / Quarterly
Monthly HOA: $15/mo
Total monthly fees: $15/mo
Total annual fees: $176
HOA name: Harmony West Homeowners Association, Inc.
CDD: Yes
Min lease term: No Minimum
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: Yes
Additional lease restrictions: Buyer/Agent to verify with HOA.
Approval process: Buyer/Agent to verify with HOA.

Exterior & Construction

Exterior features: Sidewalk
Construction materials: Block, Stucco
Roof: Shingle
Foundation: Slab
Road surface: Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Available, Electricity Connected, Public

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

Room	Level	Dimensions
Living Room	First	14x10
Dining Room	First	14x14
Bedroom 2	First	12x10
Primary Bedroom	Second	17x15
Bedroom 3	Second	10x11
Bedroom 4	Second	10x11
Bedroom 5	Second	10x11
Kitchen	First

Listing Details

Listing date: 2026-07-23
On market date: 2026-07-23
Original list price: $460,000
Occupant type: Owner
MLS area: 34773 - St Cloud (Harmony)
Listing AOR: Orlando Regional
Status changed: 2026-07-23
Tax legal description: VILLAGES AT HARMONY PH 2E & 2F PB 36 PGS 8-15 LOT 102

Flood risk

Minimal riskFEMA Zone X

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

FL-417 S to Exit 22 (Narcoossee Rd). Left on Narcoossee Rd. Right on US-192 E. Left on Botanic Blvd. Right on Five Oaks Dr. Left on Elio Hammock Dr. Property on right.

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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 15, 2026 at 12:25 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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