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Overview

4 bd3 ba1,955 sqft2 car garageSingle Family
TypeSingle Family
HOA$755/qtr
Built2020
Lot6,534 sqft
Living area1,955 sqft
Price / sqft$213
Garage2 car

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

About this home

Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersWindow TreatmentsRain Gutters

3268 Songbird Cir is a 2020-built home in Harmony Nbhd J, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,955 square feet of living space. Listed at $415,999 (about $213/sqft), 32 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $755 quarterly.

From the listing

More Than a Home, It's the Lakes of Harmony Lifestyle! Lakes of Harmony is where homeownership extends beyond your front door. This gated 55+ community is designed for residents who enjoy staying active, meeting neighbors, pursuing hobbies, and making the most of every season of life. Golf enthusiasts can take advantage of the community's golf amenities and practice facilities, while those looking for more social and recreational activities can enjoy pickleball, gardening plots, clubs, organized activities, and opportunities to connect with neighbors who share similar interests. Whether your ideal day means a round of golf, a pickleball match, tending your garden, joining a club, entertaining friends, or simply relaxing at home, Lakes of Harmony makes it easy to create the lifestyle you've been looking forward to. And when you're ready to venture beyond the community, you're conveniently located within driving distance of shopping, dining, entertainment, outdoor recreation, and Central Florida's many attractions. 3268 Songbird Circle offers the opportunity to make your next chapter your best one yet a comfortable, beautifully designed home within a gated 55+ community where golf, recreation, friendships, and Florida living come together. Come experience the Verona model at Lakes of Harmony and discover why this could be the place you've been waiting to call home.

The essentials

Built
2020
Price / sqft
$213
On market
32 days
Annual tax
$3,081
HOA
$755/qtr
Flood zone
X · Low risk
Lot
6,534 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
Community pool
Fitness center too
2 car garage
6,534 sqft lot
Lot size
1,955 sqft
Living area

Payment

Est. monthly payment
$2,887/mo
Down payment (20%)
$83,200
Property taxes
$257/mo
HOA
$755/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
6,534 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
32
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Window Treatments
Rain Gutters
Sidewalk
Buyer Approval Required
Clubhouse
Community Mailbox
Dog Park
Fitness Center
Gated Community - No Guard
Golf Carts OK
Golf
Irrigation-reclaimed Water
Park
Playground
Pool
Restaurant
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Range
Range Hood
Refrigerator
Washer
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 In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$3,081
Parcel #
29-26-32-3357-0001-0900

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 Nbhd J
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
6,534 sqft
HOA
$755/qtr
Association Solution of Central Florida

Price history

Date
Event
Price
9/10/2026
Listed for sale
Source: Stellar MLS #O6440484
$415,999
$213/sqft

Neighborhood

3268 Songbird Cir
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $415,999
$415,000 – $415,999
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 32.

Sample: 127 closed home sales in 34773 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,886/mo
Principal & interest$2,170
Property taxes$257
Insurance$208
HOA$252
Down payment20% · $83,200
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

$415,999

$213 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,955 sq ft

Time on market

32 days

Year built

2020

Monthly payment

About $2,887/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,081 annual tax bill, insurance, and the $755/qtr HOA fee.

HOA fee

$755/qtr

Managed by Association Solution of Central Florida.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byCOLDWELL BANKER REALTYListing agent: Norma GonsalvesListing data from Stellar MLS, MLS# O6440484.

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