3198 Grey Moss Dr, photo 1
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Overview

4 bd3 ba2,020 sqft3 car garageSingle Family
TypeSingle Family
HOA$133/qtr
Built2026
Lot6,970 sqft
Living area2,020 sqft
Price / sqft$213
Garage3 car

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

Open house

Monday, Oct 12 · 10:00 AM to 6:00 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 WEST
Type
Single Family Residence

True monthly carry

HOA
~$44/mo
CDD bond
Yes — typically $1,500–$3,500/yr
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.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

Eat-in KitchenKitchen/Family Room ComboOpen FloorplanSolid Surface CountersSplit BedroomStone CountersThermostatWalk-in Closet(s)

3198 Grey Moss Dr is a 2026-built home in Harmony West, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,020 square feet of living space. Listed at $430,000 (about $213/sqft), 146 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $133 quarterly.

From the listing

Discover the Madison, a versatile single-story home at Harmony West. This spacious layout includes 4 bedrooms, 3 bathrooms, and a 3-car garage, making it perfect for modern family living. Inside, the open-concept design seamlessly blends functionality and comfort, ideal for daily living and entertaining. The chef-inspired kitchen features stainless steel appliances, a large center island, and an expansive walk-in pantry, overlooking the living and dining areas. Enjoy the Florida weather year-round with easy access to the covered lanai from the living space. Each bedroom offers comfort and privacy with carpeted floors and ample closet space. The primary suite, at the rear of the home, includes an en-suite bathroom with a walk-in closet, double vanity, and walk-in shower. Additional bedrooms are well-sized, with two sharing a bathroom and one having its own for added convenience. The Madison includes a dedicated laundry room and a 3-car garage, offering ample storage and parking. *Photos are of similar model but not that of exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

The essentials

Built
2026
Price / sqft
$213
On market
146 days
Annual tax
$3,183
HOA
$133/qtr
Flood zone
X · Low risk
Lot
6,970 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
3 car garage
6,970 sqft lot
Lot size
2,020 sqft
Living area

Payment

Est. monthly payment
$2,767/mo
Down payment (20%)
$86,000
Property taxes
$265/mo
HOA
$133/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,970 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
146
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Solid Surface Counters
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Sprinkler Metered
Clubhouse
Deed Restrictions
Fitness Center
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Range
In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$3,183
Parcel #
18-26-32-5376-0001-2130

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 West
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
6,970 sqft
HOA
$133/qtr
Association Solutions of Central Florida- Mark

Price history

Date
Event
Price
8/19/2026
Price change
Source: Stellar MLS #O6409130
$430,000-1.8%
$213/sqft
-
Price change
Source: Stellar MLS #O6409130
$437,990-4.4%
$217/sqft
5/19/2026
Listed for sale
Source: Stellar MLS #O6409130
$457,990
$227/sqft

Neighborhood

3198 Grey Moss Dr
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $430,000
$427,500 – $430,000
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 146 after a $27,990 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
$2,767/mo
Principal & interest$2,243
Property taxes$265
Insurance$215
HOA$44
Down payment20% · $86,000
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

$430,000

$213 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,020 sq ft

Time on market

146 days

Year built

2026

Monthly payment

About $2,767/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,183 annual tax bill, insurance, and the $133/qtr HOA fee.

HOA fee

$133/qtr

Managed by Association Solutions of Central Florida- Mark.

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 byDR HORTON REALTY OF CENTRAL FLORIDA LLCListing agent: Stephen ClineListing data from Stellar MLS, MLS# O6409130.

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