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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$199
Garage2 car

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

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
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

Open FloorplanPest Guard SystemPrivate EntrancePrivate YardSidewalkSprinkler MeteredDog ParkPool

7630 Bent Tree Loop is a 2026-built home in Harmony Central, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,820 square feet of living space. Listed at $362,900 (about $199/sqft), 136 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $908 annually.

From the listing

**LIMITED-TIME PROMOTION: FREE WASHER, DRYER AND REFRIGERATOR!** New contract must be executed by October 31, 2026, with no contingencies and a 30-day closing in November 2026. Appliances will be received after closing. In addition, receive a 1% lender buyer credit with the builder’s preferred lender, Acrisure, for contracts executed by October 31, 2026. See onsite sales agent for complete terms, eligibility and availability. SAVE UP TO APPROXIMATELY $2,401.90 PER YEAR IN CDD ASSESSMENTS + $15,000 FLEX CASH + THOUSANDS IN CLOSING-COST SAVINGS! Imagine coming home to four bedrooms and comfortable one-story living, with the flexibility your household needs and the savings of brand-new construction. Welcome to 7630 Bent Tree Loop. Now offered at $362,900, this move-in-ready Adams Home features 1,820 square feet, 4 bedrooms, 2 bathrooms and a two-car garage. The fourth bedroom provides valuable flexibility for guests, a home office, hobbies or a growing household. The open-concept living area connects naturally to the kitchen, where granite countertops, Whirlpool stainless-steel appliances, generous cabinetry, a breakfast bar and pantry create an inviting place for meals and entertaining. The private primary suite provides a comfortable retreat, while the covered lanai extends the living space outdoors. Harmony Central has NO CDD. Compared with the highest published FY2026 annual CDD assessment of approximately $2,401.90 in certain nearby competing new-home communities, that represents savings of approximately $200 per month—or nearly $24,019 over 10 years if the assessment remained unchanged. This home also receives $15,000 IN FLEX CASH that can be used to lower the interest rate and create even more savings on the monthly mortgage payment. When using the builder’s preferred lender, the BUILDER PAYS CLOSING COSTS EXCLUDING PREPAIDS—saving buyers thousands more at closing. Secure this home with only a $1,000 deposit. Harmony Central also offers a low HOA, a community pool with cabanas and a dog park—all without the additional CDD assessment. NEW PRICE: $362,900 FOUR BEDROOMS AND COMFORTABLE ONE-STORY LIVING NO CDD $15,000 FLEX CASH BUILDER-PAID CLOSING COSTS ONLY $1,000 DEPOSIT This is an opportunity to enjoy a brand-new home, lower the interest rate and keep more money in your budget every month. Schedule your private showing today before the current incentives change. CDD comparison is based on the highest published FY2026 assessment for certain nearby properties and varies by lot size, bond area and property. The 10-year figure is a simple projection assuming no assessment changes. Builder-paid closing costs exclude prepaids and require the use of a preferred lender. The use of Flex Cash, financing programs and incentives is subject to current lender and program guidelines and availability.

The essentials

Built
2026
Price / sqft
$199
On market
136 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
$2,220/mo
Down payment (20%)
$72,580
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
Electric
Parking
-
Days on Market
136
Open Floorplan
Pest Guard System
Private Entrance
Private Yard
Sidewalk
Sprinkler Metered
Dog Park
Pool
Street Lights
Dishwasher
Disposal
Electric Water Heater
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-0050

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
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
6,098 sqft
HOA
$908/yr
Artemis Lifestyles / Zaimelin Rodriguez

Price history

Date
Event
Price
10/16/2026
Price change
Source: Stellar MLS #O6414513
$362,900-1.4%
$199/sqft
-
Price change
Source: Stellar MLS #O6414513
$367,900-10.9%
$202/sqft
6/5/2026
Listed for sale
Source: Stellar MLS #O6414513
$412,900
$227/sqft

Neighborhood

7630 Bent Tree Loop
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $362,900
$360,000 – $362,900
99.5% – 100% of listTops out right at the list price
80% of listList price
78 of the last 134 home closings in 34773 landed at this number or higher (58%). The median one sat 44 days before it went under contract, and this one is on day 136 after a $50,000 cut.

Sample: 134 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
$2,219/mo
Principal & interest$1,893
Property taxes$69
Insurance$181
HOA$76
Down payment20% · $72,580
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

$362,900

$199 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,820 sq ft

Time on market

136 days

Year built

2026

Monthly payment

About $2,220/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 / Zaimelin Rodriguez.

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: Juan Torres GilListing data from Stellar MLS, MLS# O6414513.

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