7612 Bent Tree Loop, photo 1
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Overview

4 bd2 ba1,820 sqft2 car garageSingle Family
TypeSingle Family
HOA$908/yr
Built2026
Lot6,098 sqft
Living area1,820 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

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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

7612 Bent Tree Loop is a 2026-built home in Harmony Central Ph 2, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,820 square feet of living space. Listed at $367,900 (about $202/sqft), 164 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $908 annually.

From the listing

Four bedrooms, one-story living and a conservation backdrop, now $367,900. This move-in-ready Adams home offers 1,820 square feet with 4 bedrooms, 2 bathrooms and a two-car garage. The open living area connects to a kitchen with granite countertops, stainless-steel appliances and a breakfast bar, while a separate dining room gives you additional space for meals and entertaining. The primary suite offers a comfortable retreat, and the additional bedrooms provide flexible space for guests, a home office or hobbies. Enjoy the covered rear porch overlooking trees and conservation, with no immediate rear neighbors. Enjoy NO CDD fees and a community pool and dog park in Harmony Central. Current incentives include $10,000 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
164 days
Annual tax
$831
HOA
$908/yr
Flood zone
X500 · Low risk
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
6,098 sqft lot
Lot size
1,820 sqft
Living area

Payment

Est. monthly payment
$2,248/mo
Down payment (20%)
$73,580
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
6,098 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
164
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-0020

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
6,098 sqft
LandscapedSidewalkPaved
HOA
$908/yr
Artemis Lifestyles

Price history

Date
Event
Price
10/1/2026
Price change
Source: Stellar MLS #O6404629
$367,900-6.4%
$202/sqft
-
Price change
Source: Stellar MLS #O6404629
$392,900-6.9%
$216/sqft
5/4/2026
Listed for sale
Source: Stellar MLS #O6404629
$421,900
$232/sqft

Neighborhood

7612 Bent Tree Loop
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $367,900
$365,000 – $367,900
99.5% – 100% of listTops out right at the list price
80% of listList price
73 of the last 129 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 164 after a $54,000 cut.

Sample: 129 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
$2,248/mo
Principal & interest$1,919
Property taxes$69
Insurance$184
HOA$76
Down payment20% · $73,580
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

$367,900

$202 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,820 sq ft

Time on market

164 days

Year built

2026

Monthly payment

About $2,248/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# O6404629.

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