7678 Bent Tree Loop, FL
Stellar MLS
1 / 1

$378,900

7678 Bent Tree LoopHarmony, FL 34773

Listing updated: November 1, 2026 at 4:04 PM ET

Active
Stellar MLSListing courtesy of Adams Homes Realty, Inc. · Juan Torres Gil · MLS #O6450741 · Active · 407-523-1030
3
Beds
2
Baths
1,970
Sq Ft
0.15
Acres
2026
Built
◆New construction◆$192/sqft
Single Family Residence

Property type

2026

Year built

6,534 sqft

Lot size

$192

Price / sq ft

$76/mo

HOA dues

14

Days on market

2

Garage spaces

X

Flood zone

About this home

Virtually Staged. 7678 BENT TREE LOOP | HARMONY CENTRAL | ST. CLOUD, FLORIDA NEW CONSTRUCTION - $378,900. 3 bedrooms, 2 full baths, 1,970 sq ft. 2-car garage. 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. $15,000 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. 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.

Estimated monthly payment

Principal & interest$1,916
Property taxes$69
Home insurance (est.)$174
HOA dues$76

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 history14 days on market

  1. Status: Active
    Oct 18, 2026
  2. Listed$378,900
    Oct 18, 2026

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
14
Subdivision
Harmony Central Ph 2
County
Osceola
Year built
2026
Living area
1,970 sq ft
Price/sq ft
$192
Building area
2,482 sq ft (Builder)
Lot size
6,534 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12097C0295G)
Garage
2 spaces
Annual taxes
$831 (2026)
Parcel #
32-26-32-3666-000P-0130
Zoning
RES
MLS #
O6450741

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Carpet, Ceramic Tile
Appliances
Dishwasher, Disposal, Microwave, Range
Interior features
In Wall Pest System, Tray Ceiling(s), Vaulted Ceiling(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
No

HOA & Financial

HOA fee
$908 / Annually
Monthly HOA
$76/mo
Total monthly fees
$76/mo
Total annual fees
$908
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

Exterior features
Sidewalk
Construction materials
Block
Roof
Shingle
Foundation
Slab
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Electricity Connected, Sewer 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
Primary Bedroom21.4x13.4
Bedroom 213.4x11.6
Bedroom 313.4x11.4
Living Room15.4x17.2
Dining Room9.8x12.4
Dinette9x12
Balcony/Porch/Lanai17x10
Kitchen9x13

Listing Details

Listing date
2026-10-17
On market date
2026-10-18
Original list price
$378,900
Occupant type
Vacant
MLS area
34773 - St Cloud (Harmony)
Listing AOR
Orlando Regional
Status changed
2026-10-18
Tax legal description
HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK P LOT 13

Flood risk

Minimal riskFEMA Zone XPanel 12097C0295G

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

From Narcoossee Road, travel east on US-192 past Harmony High School and the Harmony entrance. Turn left into Harmony Central and follow Bent Tree Loop to 7678 Bent Tree Loop, Lot 13-P.

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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 November 1, 2026 at 4:04 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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