7654 Bent Tree Loop, photo 1
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Overview

3 bd2 ba1,970 sqft2 car garageSingle Family
TypeSingle Family
HOA$68.75/mo
Built2026
Lot6,098 sqft
Living area1,970 sqft
Price / sqft$192
Garage2 car

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

Open house

Thursday, Oct 15 · 10:00 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 PB 35 PGS 139-144 BLK P LOT 9
Type
Single Family Residence

True monthly carry

HOA
~$69/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

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11-month inspection

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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

7654 Bent Tree Loop is a 2026-built home in Harmony Central Ph 2 Pb 35 Pgs 139-144 Blk P Lot 9, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,970 square feet of living space. Listed at $378,900 (about $192/sqft), 121 days on market. HOA runs $68.75 monthly.

From the listing

SAVE UP TO APPROXIMATELY $2,401.90 PER YEAR IN CDD ASSESSMENTS + $15,000 FLEX CASH + THOUSANDS IN CLOSING-COST SAVINGS! Imagine unlocking the door to a brand-new home where the layout works for everyday life and the incentives help keep more money in your budget. Welcome to 7654 Bent Tree Loop. Now offered at $378,900, this move-in-ready Adams Home features large kitchen island and open entertaining layout. This 3-bedroom, 2-bath 1970C plan offers efficient single-story living, a private primary suite and two additional bedrooms that can support guests, remote work or hobbies. The open-concept living area connects naturally to the kitchen, where granite countertops, Whirlpool stainless-steel appliances, generous cabinetry and a large center island 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, a dog park and walking trails—all without the additional CDD assessment. NEW PRICE: $378,900 LARGE KITCHEN ISLAND AND OPEN ENTERTAINING LAYOUT 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
$192
On market
121 days
Annual tax
$831
HOA
$68.75/mo
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
6,098 sqft lot
Lot size
1,970 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,303/mo
Down payment (20%)
$75,780
Property taxes
$69/mo
HOA
$68.75/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,098 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
121
Annual Tax (2025)
$831

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 Pb 35 Pgs 139-144 Blk P Lot 9
County
Osceola
Lot Size
6,098 sqft
HOA
$68.75/mo

Price history

Date
Event
Price
-
Price change
Source: Stellar MLS #O6416166
$378,900-10.6%
$192/sqft
6/11/2026
Listed for sale
Source: Stellar MLS #O6416166
$423,900
$215/sqft

Neighborhood

7654 Bent Tree Loop
St Cloud, FL, 34771

Market insights

Offer Insights

Choose an offer strength

List price: $378,900
$377,500 – $378,900
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 474 home closings in 34771 landed at this number or higher (64%). The median one sat 36 days before it went under contract, and this one is on day 121 after a $45,000 cut.

Sample: 474 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,304/mo
Principal & interest$1,976
Property taxes$69
Insurance$189
HOA$69
Down payment20% · $75,780
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

$378,900

$192 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,970 sq ft

Time on market

121 days

Year built

2026

Monthly payment

About $2,303/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $831 annual tax bill, insurance, and the $68.75/mo HOA fee.

HOA fee

$68.75/mo

Offer

What should I offer?

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Brokered byADAMS HOMES REALTY, INCListing agent: Jannette RodriguezListing data from Stellar MLS, MLS# O6416166.

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