Costs of owning

What it really costs to own in Florida.

Harmony Central HOA fees

St Cloud, Osceola County · 34773, 34771

Homes in Harmony Central (St Cloud) pay a median $900 a year in HOA dues, about $75 a month, based on 41 listings. Half fall between $825 and $908. None of the listings we reviewed report a CDD.

HOA, median
$900/yr
About $75 a month
CDD, median
None reported
Property tax, median
$831/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$144
HOA + tax at the medians

What the dues cover

  • Pool20% of listings

Amenities listed: Pool.

Live inventory

For sale in Harmony Central right now

20 active listings

3620 Briarlynne Way
ActiveNew constructionPrice reduced
House for sale
$407,900
$10k
4 bed3 bath2,202 sqft0.14 acre lot
3620 Briarlynne Way
St Cloud, FL, 34773
Brokered by ADAMS HOMES REALTY, INC.
7714 Bent Tree Loop
ActiveNew constructionPrice reduced
House for sale
$387,900
$25k
4 bed2 bath1,820 sqft0.15 acre lot
7714 Bent Tree Loop
St Cloud, FL, 34773
Brokered by ADAMS HOMES REALTY, INC.
3768 Sagefield Dr
ActivePrice reduced
House for sale
$350,000
$15k
3 bed2 bath1,505 sqft0.11 acre lot
3768 Sagefield Dr
St Cloud, FL, 34773
Brokered by EXP REALTY LLC
7642 Bent Tree Loop
ActiveNew constructionPrice reduced
House for sale
$366,900
$45k
3 bed2 bath1,780 sqft0.14 acre lot
7642 Bent Tree Loop
St Cloud, FL, 34773
Brokered by ADAMS HOMES REALTY, INC
7727 Bent Tree Loop
ActiveNew construction
House for sale
$436,900
4 bed3 bath2,405 sqft0.13 acre lot
7727 Bent Tree Loop
St Cloud, FL, 34771
Brokered by ADAMS HOMES REALTY, INC
7563 Bent Tree Loop
ActiveNew constructionPrice reduced
House for sale
$341,900
$40k
3 bed2 bath1,515 sqft0.14 acre lot
7563 Bent Tree Loop
St Cloud, FL, 34771
Brokered by ADAMS HOMES REALTY, INC.
7648 Bent Tree Loop
ActiveNew constructionPrice reduced
House for sale
$367,900
$45k
4 bed2 bath1,820 sqft0.14 acre lot
7648 Bent Tree Loop
St Cloud, FL, 34771
Brokered by ADAMS HOMES REALTY, INC
7584 Bent Tree Loop
ActiveNew constructionPrice reduced
House for sale
$349,900
$62k
3 bed2 bath1,780 sqft0.14 acre lot
7584 Bent Tree Loop
St Cloud, FL, 34773
Brokered by ADAMS HOMES REALTY, INC
See all 20 Harmony Central homes

Harmony Central cost questions

How much are HOA fees in Harmony Central?

Homes in Harmony Central (St Cloud) pay a median $900 a year in HOA dues, about $75 a month, based on 41 listings. Half fall between $825 and $908.

Does Harmony Central have a CDD?

None of the listings we reviewed report a CDD. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.

What does it cost each month to own in Harmony Central, before the mortgage?

HOA and property tax come to about $144 a month at the medians (property tax median $831 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.

Where do these numbers come from?

Stellar MLS via Repliers listings in Harmony Central from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.

Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 41 addressesin subdivisions matching “HARMONY CENTRAL”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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