3163 House Finch Rd, photo 1
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Overview

5 bd3 ba2,077 sqft2 car garageSingle Family
TypeSingle Family
HOA$133/qtr
Built2026
Lot10,454 sqft
Living area2,077 sqft
Price / sqft$205
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 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 ComboLiving Room/Dining Room ComboOpen FloorplanSolid Surface CountersSplit BedroomStone CountersThermostat

3163 House Finch Rd is a 2026-built home in Harmony West, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,077 square feet of living space. Listed at $424,990 (about $205/sqft), 46 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $133 quarterly.

From the listing

Inside this beautiful 5-bedroom, 3-bathroom home, you'll find 2,077 square feet of comfortable living. The living area is an open concept, where your kitchen, living, and dining areas blend seamlessly into a space perfect for everyday living and entertaining. The kitchen features modern cabinets, quartz countertops, and sleek stainless-steel appliances. You'll never be too far from the action with the living and dining area right there. Find RevWood Select Flooring throughout a majority of the home including the family room, primary bedroom, kitchen, bathrooms, laundry and foyer. The primary bedroom has its own attached bathroom that features a walk-in closet and all the space you need to get ready in the morning. Privacy is guaranteed with a separate door for the toilet and shower. *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
$205
On market
46 days
Annual tax
$3,183
HOA
$133/qtr
Flood zone
X · Low risk
Lot
10,454 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
2 car garage
10,454 sqft lot
Lot size
2,077 sqft
Living area

Payment

Est. monthly payment
$2,738/mo
Down payment (20%)
$84,998
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
10,454 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
46
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining 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
Street Lights
Dishwasher
Disposal
Range
In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$3,183
Parcel #
18-26-32-5376-0001-2360

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
10,454 sqft
HOA
$133/qtr
Association Solutions of Central Florida- Mark

Price history

Date
Event
Price
8/25/2026
Listed for sale
Source: Stellar MLS #O6436407
$424,990
$205/sqft

Neighborhood

3163 House Finch Rd
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $424,990
$422,500 – $424,990
99.5% – 100% of listTops out right at the list price
80% of listList price
71 of the last 126 home closings in 34773 landed at this number or higher (56%). The median one sat 43 days before it went under contract, and this one is on day 46.

Sample: 126 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
$2,739/mo
Principal & interest$2,216
Property taxes$265
Insurance$212
HOA$44
Down payment20% · $84,998
Interest rate6.80%
Loan term

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Put in your household income and we will tell you where this payment sits.

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

$424,990

$205 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,077 sq ft

Time on market

46 days

Year built

2026

Monthly payment

About $2,738/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# O6436407.

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