7727 Bent Tree Loop, photo 1
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Overview

4 bd3 ba2,405 sqft2 car garageSingle Family
TypeSingle Family
HOA$68.75/mo
Built2026
Lot5,663 sqft
Living area2,405 sqft
Price / sqft$182
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 R LOT 4
Type
Single Family Residence

True monthly carry

HOA
~$69/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

Ceiling Fans(s)GardenDishwasherMicrowaveRange

7727 Bent Tree Loop is a 2026-built home in Harmony Central Ph 2 Pb 35 Pgs 139-144 Blk R Lot 4, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,405 square feet of living space. Listed at $436,900 (about $182/sqft), 115 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $68.75 monthly.

From the listing

Pre-Construction. To be built. **Under Construction** + NO CDD + UP TO $20,000 FLEX CASH + BUILDER-PAID CLOSING COSTS!** This home offers an incredible opportunity to save thousands while enjoying peaceful water views and exceptional builder incentives. Flexible financing options are available for qualified buyers—making NOW the perfect time to make your move! Wake up every day to beautiful **POND VIEWS** from the living room, kitchen, dining area, and OWNER’S SUITE. Step outside to your, where the covered lanai provides the perfect setting for morning coffee, sunsets, outdoor dining, BBQs, and entertaining. With an open-concept design created for both everyday comfort and entertaining. The spacious family room flows seamlessly into the kitchen featuring a large center island, abundant cabinetry, generous counter space, and plenty of room to gather. Upstairs, the private owner’s suite overlooks the water and features a spacious walk-in closet and en-suite bath. Three additional bedrooms provide flexibility for family, guests, a home office, or hobby space. Located in **Harmony Central**, residents enjoy a community pool with cabana, dog park, walking trails, and convenient access to schools, shopping, dining, major roadways, Lake Nona, Orlando International Airport, and Florida’s east coast beaches!! Opportunities offering this combination of location, incentives, privacy, and waterfront living are limited. **Schedule your private showing TODAY before this one is gone!***Builder incentives, Flex Cash, closing-cost assistance, and financing options are subject to availability, qualification, program guidelines, and use of participating/preferred lender as applicable.*

The essentials

Built
2026
Price / sqft
$182
On market
115 days
Annual tax
$831
HOA
$68.75/mo
Flood zone
X500 · Low risk
Lot
5,663 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
5,663 sqft lot
Lot size
2,405 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,636/mo
Down payment (20%)
$87,380
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
5,663 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
115
Ceiling Fans(s)
Garden
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.

Homestead exemption on file Flood Zone X500
Annual Tax (2025)
$831
Parcel #
32-26-32-3666-000R-0040

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 R Lot 4
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
5,663 sqft
HOA
$68.75/mo
Pedro Gutierrez

Price history

Date
Event
Price
6/18/2026
Listed for sale
Source: Stellar MLS #O6418090
$436,900
$182/sqft

Neighborhood

7727 Bent Tree Loop
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $436,900
$435,000 – $436,900
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 474 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 115.

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
$2,635/mo
Principal & interest$2,279
Property taxes$69
Insurance$218
HOA$69
Down payment20% · $87,380
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

$436,900

$182 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,405 sq ft

Time on market

115 days

Year built

2026

Monthly payment

About $2,636/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

Managed by Pedro Gutierrez.

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, INCListing agent: Jannette RodriguezListing data from Stellar MLS, MLS# O6418090.

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