7606 Bent Tree Loop, photo 1
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Overview

3 bd2 ba1,780 sqft2 car garageSingle Family
TypeSingle Family
HOA$908/yr
Built2026
Lot8,712 sqft
Living area1,780 sqft
Price / sqft$202
Garage2 car

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

Open house

Saturday, Oct 17 · 11:00 AM to 5:00 PM

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
HARMONY CENTRAL PH 2
Type
Single Family Residence

True monthly carry

HOA
~$76/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

High CeilingsOpen FloorplanStone CountersThermostatWalk-in Closet(s)SidewalkDog ParkPool

7606 Bent Tree Loop is a 2026-built home in Harmony Central Ph 2, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,780 square feet of living space. Listed at $360,000 (about $202/sqft), 162 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $908 annually.

From the listing

Single-story comfort, a conservation backdrop and a 0.20-acre lot, now offered at $360,000. This move-in-ready Adams home features 3 bedrooms, 2 bathrooms and 1,780 square feet, plus a two-car garage. The open living area connects to a kitchen with granite countertops, stainless-steel appliances and a center island. A separate dining room adds flexibility for meals, a work area or hobbies. The primary suite includes a walk-in closet and a bathroom with dual sinks. Step onto the covered rear porch to enjoy the green backdrop and outdoor space that make this home stand out. Enjoy NO CDD fees and a community pool and dog park in Harmony Central. Current incentives include $15,000 in Flex Cash, which may be applied toward an interest-rate buydown subject to lender and program guidelines, plus builder-paid closing costs, excluding prepaids, when using a preferred lender. Secure the home with a $1,000 contract deposit. Incentives are subject to availability and current builder and lender terms. Schedule your private tour to explore the home and available financing options.

The essentials

Built
2026
Price / sqft
$202
On market
162 days
Annual tax
$831
HOA
$908/yr
Flood zone
X500 · Low risk
Lot
8,712 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
8,712 sqft lot
Lot size
1,780 sqft
Living area

Payment

Est. monthly payment
$2,203/mo
Down payment (20%)
$72,000
Property taxes
$69/mo
HOA
$908/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
8,712 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
162
High Ceilings
Open Floorplan
Stone Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Dog Park
Pool
Dishwasher
Microwave
Range
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.

Flood Zone X500
Annual Tax (2025)
$831
Parcel #
32-26-32-3666-000P-0010

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 2
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
8,712 sqft
LandscapedSidewalkPaved
HOA
$908/yr
Artemis Lifestyles

Price history

Date
Event
Price
10/1/2026
Price change
Source: Stellar MLS #O6404400
$360,000-6.5%
$202/sqft
-
Price change
Source: Stellar MLS #O6404400
$385,000-3.5%
$216/sqft
5/3/2026
Listed for sale
Source: Stellar MLS #O6404400
$398,900
$224/sqft

Neighborhood

7606 Bent Tree Loop
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $360,000
$357,500 – $360,000
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 162 after a $38,900 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
$2,203/mo
Principal & interest$1,878
Property taxes$69
Insurance$180
HOA$76
Down payment20% · $72,000
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 includes any condo dues 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

$360,000

$202 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,780 sq ft

Time on market

162 days

Year built

2026

Monthly payment

About $2,203/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $831 annual tax bill, insurance, and the $908/yr HOA fee.

HOA fee

$908/yr

Managed by Artemis Lifestyles.

Flood zone

Zone X500

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 byADAMS HOMES REALTY, INC.Listing agent: Viviani Moreno De SegoviaListing data from Stellar MLS, MLS# O6404400.

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