$464,999
2786 Harmonia Hammock Road
St Cloud, FL 34773
Listing updated: August 2, 2026 at 11:10 AM ET
Listing courtesy of The Firm Re · Naf Zaman · MLS #S5154542 · Active · 407-227-3345Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to 2786 Harmonia Hammock Road, a beautifully maintained 5 bedroom, 3 bathroom home located in the highly desirable Harmony West community. Situated on a premium conservation and pond view lot, this home offers peaceful views with no rear neighbors immediately behind, creating the perfect backdrop for everyday living. A covered front porch welcomes you inside, where you'll find a versatile formal living room or den just off the entry. The open concept floor plan features a spacious living room and a beautifully appointed kitchen with dark granite countertops, white cabinetry, stainless steel Whirlpool appliances, a large center island, and a walk in pantry, making it ideal for entertaining. A first floor bedroom and full bathroom provide the perfect setup for guests or multigenerational living, while additional storage includes a coat closet and under stair storage. Upstairs, the spacious primary suite features two walk in closets and an en suite bathroom with a large walk in shower. A generous loft provides additional living space, while three more bedrooms, a full bathroom, a dedicated laundry room with added cabinetry, and multiple linen closets complete the second floor. Step outside to enjoy the oversized backyard overlooking tranquil conservation and water views, offering endless possibilities for outdoor living. Residents of Harmony West enjoy exceptional resort style amenities, including a 5,000 square foot community pool with a sun shelf and splash pad, fitness center, clubhouse, playgrounds, and scenic walking trails. Conveniently located near schools, shopping, dining, and major roadways, this home combines modern comfort with one of Central Florida's fastest growing communities. Schedule your private showing today and experience everything this exceptional Harmony West home has to offer.
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 history2 days on market
- Status: ActiveJul 31, 2026
- Listed$464,999Jul 31, 2026
- Price increased$464,999
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 2
- Subdivision
- Villages At Harmony Ph 1b
- County
- Osceola
- Year built
- 2021
- Living area
- 2,626 sq ft
- Price/sq ft
- $177
- Building area
- 3,198 sq ft (Public Records)
- Lot size
- 13,504 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- X
- Garage
- 2 spaces
- Annual taxes
- $7,359 (2025)
- Parcel #
- 24-26-31-3383-0001-0290
- Zoning
- PUD
- MLS #
- S5154542
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Interior Details
- Bedrooms
- 5
- Full bathrooms
- 3
- Flooring
- Carpet, Tile
- Appliances
- Dishwasher, Disposal, Microwave, Range, Refrigerator
- Interior features
- Eat-in Kitchen, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s)
- Laundry
- Laundry Room, Upper Level
- 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
- $110 / Quarterly
- Monthly HOA
- $37/mo
- Total monthly fees
- $37/mo
- Total annual fees
- $440
- HOA name
- Association Solutions of Central Florida
- 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
- Information provided herein is believed to be accurate and reliable; however, buyers and buyer’s agent are encouraged to independently verify all information with the HOA, city, county, and any other applicable governing authorities prior to closing.
- Approval process
- Information provided herein is believed to be accurate and reliable; however, buyers and buyer’s agent are encouraged to independently verify all information with the HOA, city, county, and any other applicable governing authorities prior to closing.
Exterior & Construction
- Exterior features
- Sidewalk, Sliding Doors, Sprinkler Metered
- Construction materials
- Block, Concrete, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Water view
- Yes
- Road surface
- Concrete, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Connected, Public, Sewer Connected, Sprinkler Meter, Sprinkler Recycled, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK
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 |
|---|---|---|
| Living Room | First | |
| Primary Bedroom | Second | |
| Kitchen | First |
Listing Details
- Listing date
- 2026-07-31
- On market date
- 2026-07-31
- Original list price
- $464,999
- Occupant type
- Owner
- MLS area
- 34773 - St Cloud (Harmony)
- Listing AOR
- Osceola
- Status changed
- 2026-07-31
- Tax legal description
- VILLAGES AT HARMONY PH 1B PB 29 PGS 104-112 LOT 29
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
Turn left on to Botanic Blvd and drive 0.2 miles. Then take a slight left toward Harmonia Hammock Road and drive 250 ft. Take another slight left onto Harmonia Hammock Road and drive for 0.3 miles. The house will be on your left.
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Listing provided by Stellar MLS
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 2, 2026 at 11:10 AM 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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