7642 Bent Tree Loop, photo 1
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Overview

3 bd2 ba1,780 sqft2 car garageSingle Family
TypeSingle Family
HOA$904/yr
Built2026
Lot6,098 sqft
Living area1,780 sqft
Price / sqft$206
Garage2 car

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

Open house

Friday, Oct 16 · 12:00 PM 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
~$75/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)Crown MoldingHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorStone CountersThermostatWalk-in Closet(s)

7642 Bent Tree Loop is a 2026-built home in Harmony Central Ph 2, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,780 square feet of living space. Listed at $366,900 (about $206/sqft), 115 days on market. Flood zone X 500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $904 annually.

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 coming home, stepping onto the covered lanai and looking out over a peaceful green conservation area instead of directly into another backyard. 7642 Bent Tree Loop combines that added privacy with the comfort and savings of brand-new construction. Now offered at $366,900, this move-in-ready Adams Home features conservation view and flexible dining/office space. This 3-bedroom, 2-bath 1780A 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: $366,900 CONSERVATION VIEW AND FLEXIBLE DINING/OFFICE SPACE 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
$206
On market
115 days
Annual tax
$831
HOA
$904/yr
Flood zone
X 500 · Low risk
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
Driveway
6,098 sqft lot
Lot size
1,780 sqft
Living area

Payment

Est. monthly payment
$2,242/mo
Down payment (20%)
$73,380
Property taxes
$69/mo
HOA
$904/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
Driveway
Days on Market
115
Ceiling Fans(s)
Crown Molding
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Pool
Dishwasher
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 X 500
Annual Tax (2025)
$831
Parcel #
32-26-32-3666-0000-0070

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
HOA
$904/yr
Pedro Gutierrez

Price history

Date
Event
Price
10/1/2026
Price change
Source: Stellar MLS #O6418564
$366,900-6.4%
$206/sqft
-
Price change
Source: Stellar MLS #O6418564
$391,900-4.9%
$220/sqft
6/19/2026
Listed for sale
Source: Stellar MLS #O6418564
$411,900
$231/sqft

Neighborhood

7642 Bent Tree Loop
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $366,900
$365,000 – $366,900
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 115 after a $45,000 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
$2,241/mo
Principal & interest$1,914
Property taxes$69
Insurance$183
HOA$75
Down payment20% · $73,380
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

$366,900

$206 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,780 sq ft

Time on market

115 days

Year built

2026

Monthly payment

About $2,242/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $831 annual tax bill, insurance, and the $904/yr HOA fee.

HOA fee

$904/yr

Managed by Pedro Gutierrez.

Flood zone

Zone X 500

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# O6418564.

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