2541 Harmonia Hammock Rd, photo 1
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Overview

3 bd2 ba1,676 sqft2 car garageSingle Family
TypeSingle Family
HOA$37/mo
Built2023
Lot6,970 sqft
Living area1,676 sqft
Price / sqft$239
Garage2 car

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

About this home

Private YardCooktopDishwasherDisposalDryerMicrowaveRefrigerator

2541 Harmonia Hammock Rd is a 2023-built home in Villages At Harmony Ph 1c-2, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,676 square feet of living space. Listed at $400,000 (about $239/sqft), 222 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $37 monthly.

From the listing

This popular one-story home offers 3 bedrooms, 2 bathrooms, and a 2-car garage with 1,672 square feet of thoughtfully designed living space. The open-concept layout seamlessly connects the living room, dining area, and kitchen—perfect for entertaining or everyday living. The kitchen is a standout feature, showcasing granite countertops, stainless steel appliances, a spacious pantry, and a large center island ideal for meal prep and gathering. Natural light fills the spacious living area, creating a bright and welcoming atmosphere. The private primary suite, located at the rear of the home, features an ensuite bathroom with dual sinks, a separate shower, and a generous walk-in closet. Two additional well-sized bedrooms share a beautifully appointed full bathroom, offering flexibility for guests, family, or a home office. The laundry room is conveniently located near all bedrooms for added ease. Built with durable concrete block construction, this home also includes smart home technology, allowing you to control features from your smart devices. Residents enjoy access to premium community amenities, including a resort-style pool, playground, and fitness center, enhancing the lifestyle this home offers.

The essentials

Built
2023
Price / sqft
$239
On market
222 days
Annual tax
$6,366
HOA
$37/mo
Flood zone
X · Low risk
Lot
6,970 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
2 car garage
6,970 sqft lot
Lot size
1,676 sqft
Living area

Payment

Est. monthly payment
$2,854/mo
Down payment (20%)
$80,000
Property taxes
$531/mo
HOA
$37/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
6,970 sqft
Cooling
Central Air, Attic Fan
Heating
Central
Parking
-
Days on Market
222
Private Yard
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,366
Parcel #
24-26-31-3495-0001-3760

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
6,970 sqft
HOA
$37/mo
Association Solutions of Central Florida

Price history

Date
Event
Price
6/11/2026
Price change
Source: Stellar MLS #O6386837
$400,000-2.4%
$239/sqft
3/2/2026
Listed for sale
Source: Stellar MLS #O6386837
$410,000
$245/sqft

Neighborhood

2541 Harmonia Hammock Rd
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $400,000
$397,500 – $400,000
99.5% – 100% of listTops out right at the list price
80% of listList price
71 of the last 126 home closings in 34773 landed at this number or higher (56%). The median one sat 43 days before it went under contract, and this one is on day 222 after a $10,000 cut.

Sample: 126 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
$2,854/mo
Principal & interest$2,086
Property taxes$531
Insurance$200
HOA$37
Down payment20% · $80,000
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

$400,000

$239 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,676 sq ft

Time on market

222 days

Year built

2023

Monthly payment

About $2,854/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,366 annual tax bill, insurance, and the $37/mo HOA fee.

HOA fee

$37/mo

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 byLOVEJOY PROFESSIONAL REALTY, INCListing agent: Paul ChisholmListing data from Stellar MLS, MLS# O6386837.

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