2540 Harmonia Hammock Rd, photo 1
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Overview

5 bd3 ba2,626 sqft2 car garageSingle Family
TypeSingle Family
HOA$110/qtr
Built2023
Lot5,663 sqft
Living area2,626 sqft
Price / sqft$173
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboPrimarybedroom UpstairsSolid Surface CountersStone CountersThermostat

2540 Harmonia Hammock Rd is a 2023-built home in Villages At Harmony Ph 1c-2, Harmony. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,626 square feet of living space. Listed at $454,000 (about $173/sqft), 266 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $110 quarterly.

From the listing

Beautiful 5BR Home | Premium Conservation Lot | Loaded with Upgrades! Welcome to this stunning 5-bedroom, 3 bath home located in the desirable Harmony West community! Situated on a large premium lot backing to a peaceful conservation area, this open-concept home offers both privacy and modern living. CDD TAXES ARE INCLUDED IN THE PROPETY TAXES. Main Features: • First-floor bedroom with nearby full bath – ideal for guests or in-laws • Gourmet kitchen with Quartz countertops, stainless steel appliances, breakfast bar, and a large walk-in pantry • Versatile flex room – perfect for a home office, gym, or playroom • Upstairs owner’s suite with dual walk-in closets and a spacious en-suite bath • Three additional bedrooms on second floor, full bath, and a large loft for extra living space Owner-Upgraded Highlights: • Plantation shutters throughout • Stylish lighting & ceiling fans • Epoxy-coated garage floor • Water softener system • Gutters • Oversized brick patio in the backyard – great for entertaining Community Amenities: Just a short walk to Harmony West’s 5,000 sq. ft. resort-style pool, sun shelf, splash pad, fitness center, and clubhouse. Don’t miss this move-in-ready gem—schedule your private showing today!

The essentials

Built
2023
Price / sqft
$173
On market
356 days
Annual tax
$5,859
HOA
$110/qtr
Flood zone
X · Low risk
Lot
5,663 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Fitness center too
2 car garage
Driveway
5,663 sqft lot
Lot size
2,626 sqft
Living area

Payment

Est. monthly payment
$3,120/mo
Down payment (20%)
$90,800
Property taxes
$488/mo
HOA
$110/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
5,663 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
356
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Primarybedroom Upstairs
Solid Surface Counters
Stone Counters
Thermostat
Walk-in Closet(s)
Rain Gutters
Sidewalk
Sliding Doors
Sprinkler Metered
Clubhouse
Dog Park
Fitness Center
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Washer
Water Softener
Elementary
Harmony Community School (K-5)
Middle
Harmony Middle
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2024)
$5,859
Parcel #
24-26-31-3495-0001-3880

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Villages At Harmony Ph 1c-2
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
5,663 sqft
Conservation AreaLevel
HOA
$110/qtr
ASSOCIATION SOLUTIONS OF CENTRAL FLORIDA

Price history

Date
Event
Price
7/20/2026
Price change
Source: Stellar MLS #O6353734
$454,000-0.2%
$173/sqft
10/18/2025
Listed for sale
Source: Stellar MLS #O6353734
$455,000
$173/sqft

Neighborhood

2540 Harmonia Hammock Rd
Harmony, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $454,000
$452,500 – $454,000
99.5% – 100% of listTops out right at the list price
80% of listList price
72 of the last 127 home closings in 34773 landed at this number or higher (57%). The median one sat 43 days before it went under contract, and this one is on day 356 after a $1,000 cut.

Sample: 127 closed home sales in 34773 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,120/mo
Principal & interest$2,368
Property taxes$488
Insurance$227
HOA$37
Down payment20% · $90,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$454,000

$173 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,626 sq ft

Time on market

356 days

Year built

2023

Monthly payment

About $3,120/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,859 annual tax bill, insurance, and the $110/qtr HOA fee.

HOA fee

$110/qtr

Managed by ASSOCIATION SOLUTIONS OF CENTRAL FLORIDA.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byHOMESMARTListing agent: Jamie AndrychowskiListing data from Stellar MLS, MLS# O6353734.

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