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Overview

3 bd2 ba1,614 sqft2 car garageSingle Family
TypeSingle Family
HOA$113/qtr
Built2024
Lot7,841 sqft
Living area1,614 sqft
Price / sqft$217
Garage2 car

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

About this home

Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanSmart HomeSplit BedroomThermostatWalk-in Closet(s)

2816 Swooping Sparrow Dr is a 2024-built home in Villages At Harmony Ph 2a, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,614 square feet of living space. Listed at $349,900 (about $217/sqft), 149 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $113 quarterly.

From the listing

Short Sale. Beautiful newer construction home located in the desirable growing Harmony West area of St. Cloud. This residence features an open-concept layout with spacious living and dining areas, modern finishes, and a functional split floor plan designed for comfortable everyday living. Enjoy a fenced backyard and screened lanai, perfect for relaxing or entertaining. The kitchen offers an island overlooking the main living space, ideal for gatherings and family events. The primary suite includes a walk-in closet and private bath. Conveniently located near schools, shopping, major roadways, and Central Florida attractions. Short Sale subject to lender approval. Property includes solar panels with existing lien/transfer requirements. Buyer and buyer’s agent to verify all solar terms, assumptions, and transfer eligibility directly with provider. Property sold AS-IS.

The essentials

Built
2024
Price / sqft
$217
On market
149 days
Annual tax
$6,453
HOA
$113/qtr
Flood zone
X · Low risk
Lot
7,841 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
Community pool
Fitness center too
2 car garage
Driveway
7,841 sqft lot
Lot size
1,614 sqft
Living area

Payment

Est. monthly payment
$2,575/mo
Down payment (20%)
$69,980
Property taxes
$538/mo
HOA
$113/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
7,841 sqft
Cooling
Central Air
Heating
Central, Solar
Parking
Driveway, Garage Door Opener
Days on Market
149
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Smart Home
Split Bedroom
Thermostat
Walk-in Closet(s)
Sidewalk
Sliding Doors
Sprinkler Metered
Clubhouse
Deed Restrictions
Fitness Center
Playground
Pool
Sidewalks
Street Lights
Electric Water Heater
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 (2025)
$6,453
Parcel #
13-26-31-3497-0001-1050

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 2a
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
7,841 sqft
Conservation AreaLandscapedSidewalk
HOA
$113/qtr
Association Solutions of Central Florida

Price history

Date
Event
Price
6/25/2026
Price change
Source: Stellar MLS #O6391506
$349,900-1.4%
$217/sqft
5/14/2026
Listed for sale
Source: Stellar MLS #O6391506
$354,900
$220/sqft

Neighborhood

2816 Swooping Sparrow Dr
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $349,900
$347,500 – $349,900
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 149 after a $5,000 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
$2,575/mo
Principal & interest$1,825
Property taxes$538
Insurance$175
HOA$38
Down payment20% · $69,980
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

$349,900

$217 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,614 sq ft

Time on market

149 days

Year built

2024

Monthly payment

About $2,575/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,453 annual tax bill, insurance, and the $113/qtr HOA fee.

HOA fee

$113/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 byFORTEZA REALTY LLCListing agent: Karia OrtizListing data from Stellar MLS, MLS# O6391506.

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