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Overview

4 bd4 ba2,314 sqft2 car garageSingle Family
TypeSingle Family
HOA$750/yr
Built2023
Lot4,792 sqft
Living area2,314 sqft
Price / sqft$194
Garage2 car

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

About this home

Ceiling Fans(s)Walk-in Closet(s)SidewalkClubhousePlaygroundPoolSidewalksDishwasher

3828 Sagefield Dr is a 2023-built home in Harmony Central Ph 1, Harmony. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,314 square feet of living space. Listed at $449,000 (about $194/sqft), 104 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $750 annually.

From the listing

Beautiful and Spacious 4-bedroom, 3.5-bath home offering approximately 3,087 sq. ft. of contemporary living in the desirable Harmony Central golf community. This thoughtfully designed residence features an open floor plan filled with natural light, creating an inviting atmosphere throughout. The chef-inspired kitchen showcases stainless steel appliances, granite countertops, a large center island, and a breakfast bar, perfect for entertaining or casual dining. The main-level primary suite provides a private retreat with a generous walk-in closet and a well-appointed en-suite bathroom. Upstairs, a flexible loft or additional suite offers endless possibilities for a home office, guest space, or recreation area. An expansive backyard enhances the outdoor living experience, ideal for relaxing or hosting gatherings. Residents of Harmony Central enjoy picturesque surroundings, walking trails, playgrounds, and community amenities including a pool and cabana. This exceptional home combines space, comfort, and lifestyle in one of Central Florida’s most sought-after communities.

The essentials

Built
2023
Price / sqft
$194
On market
269 days
Annual tax
$5,579
HOA
$750/yr
Flood zone
X · Low risk
Lot
4,792 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
4,792 sqft lot
Lot size
2,314 sqft
Living area

Payment

Est. monthly payment
$3,094/mo
Down payment (20%)
$89,800
Property taxes
$465/mo
HOA
$750/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
4,792 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
269
Ceiling Fans(s)
Walk-in Closet(s)
Sidewalk
Clubhouse
Playground
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone x
Annual Tax (2025)
$5,579
Parcel #
32-26-32-3596-000K-0390

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
Harmony Central Ph 1
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
4,792 sqft
HOA
$750/yr
Harmony Central HOA / Beth Connor

Price history

Date
Event
Price
2/4/2026
Price change
Source: Stellar MLS #O6365461
$449,000-10.0%
$194/sqft
1/13/2026
Listed for sale
Source: Stellar MLS #O6365461
$499,000
$216/sqft

Neighborhood

3828 Sagefield Dr
Harmony, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $449,000
$447,500 – $449,000
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 269 after a $50,000 cut.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$3,094/mo
Principal & interest$2,342
Property taxes$465
Insurance$225
HOA$63
Down payment20% · $89,800
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

$449,000

$194 per sq ft

Beds and baths

4 beds, 4 baths

Size

2,314 sq ft

Time on market

269 days

Year built

2023

Monthly payment

About $3,094/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,579 annual tax bill, insurance, and the $750/yr HOA fee.

HOA fee

$750/yr

Managed by Harmony Central HOA / Beth Connor.

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 byORLANDO REGIONAL PROPERTY MANAGEMENTListing agent: Jeannette LopezListing data from Stellar MLS, MLS# O6365461.

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