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Price improvement! Now offering a 4.99 fixed interest rate or up to $12,000 in Flex Cash. Estimated monthly payments from $2,750. Low HOA and NO CDD make this an exceptional and affordable opportunity. Welcome to Harmony Central in St. Cloud, FL, a highly desirable community featuring scenic ponds, open green spaces, and access to top-rated schools. Conveniently located near the Florida Turnpike, Narcoossee Road, and downtown St. Cloud. This two-story, energy-efficient home showcases the popular Adams Homes 2202 floor plan, offering 4 bedrooms and 2.5 bathrooms. The open-concept layout is ideal for both everyday living and entertaining. The seller is paying closing costs and offering a $12,000 Flex Cash incentive, which may be applied toward interest rate buy-downs and/or prepaid items when using the preferred lender. Additional closing cost incentives may be available through the preferred lender, and the home can be secured with as little as a $1,000 deposit. The spacious kitchen features granite countertops, a center island, stainless steel Whirlpool appliances, and premium brand faucets. Additional highlights include a large laundry room, beautifully appointed bathrooms with granite finishes, an upstairs owner's suite with a walk-in closet, and a covered lanai perfect for outdoor relaxation. Community amenities include a resort style pool and dog park, all within a quiet, family-friendly setting. This home also includes a 1-year builder warranty, 2-year plumbing, electrical, and mechanical warranty, and a 10-year structural warranty for added peace of mind. A rare combination of new construction, attractive financing, and tranquil surroundings"”opportunities like this are limited.
| DAYS ON MARKET | 262 | LAST UPDATED | 3/13/2026 |
|---|---|---|---|
| TRACT | HARMONY CENTRAL PH 1 | YEAR BUILT | 2025 |
| COMMUNITY | 34773 - St Cloud (Harmony) | GARAGE SPACES | 2.0 |
| COUNTY | Osceola | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| Elementary School | Harmony Community School (K-5) |
|---|---|
| Jr. High School | Harmony Middle |
| High School | Harmony High |
| PRICE HISTORY | |
| Prior to Dec 18, '25 | $428,800 |
|---|---|
| Dec 18, '25 - Dec 29, '25 | $408,900 |
| Dec 29, '25 - Mar 11, '26 | $405,000 |
| Mar 11, '26 - Mar 13, '26 | $413,000 |
| Mar 13, '26 - Today | $405,000 |
| ADDITIONAL DETAILS | |
| AIR | Central Air |
|---|---|
| AIR CONDITIONING | Yes |
| APPLIANCES | Dishwasher, Disposal, Microwave, Range |
| AREA | 34773 - St Cloud (Harmony) |
| CONSTRUCTION | Block, Stucco |
| GARAGE | Yes |
| HEAT | Central |
| HOA DUES | 825 |
| INTERIOR | High Ceilings, Open Floorplan, Walk-In Closet(s) |
| LOT | 4792 sq ft |
| PARKING | Attached |
| SEWER | Public Sewer |
| STORIES | 2 |
| SUBDIVISION | HARMONY CENTRAL PH 1 |
| TAXES | 759 |
| UTILITIES | Cable Available, Electricity Connected, Sewer Connected, Water Connected |
| VIEW | Yes |
| VIEW DESCRIPTION | Pond, Water |
| WATER | Public |
MORTGAGE CALCULATOR
TOTAL MONTHLY PAYMENT
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Listing provided by Michael Soto, ADAMS HOMES REALTY, INC, 850-469-0977
The information contained herein has been provided by My Florida Regional MLS DBA Stellar MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Listings last updated 3/20/26 3:06 AM PDT.
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