3229 House Finch Rd, photo 1
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Overview

5 bd3 ba2,601 sqft2 car garageSingle Family
TypeSingle Family
HOA$133/qtr
Built2026
Lot5,663 sqft
Living area2,601 sqft
Price / sqft$169
Garage2 car

Ask anything about this home

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 KitchenLiving Room/Dining Room ComboOpen FloorplanSolid Surface CountersSplit BedroomStone CountersThermostatWalk-in Closet(s)

3229 House Finch Rd is a 2026-built home in Harmony West, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,601 square feet of living space. Listed at $439,997 (about $169/sqft), 25 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $133 quarterly.

From the listing

Harmony West presents the Hayden. This amazing all concrete block construction single-family home features 5 bedrooms and 3 bathrooms optimizing living space with an open concept layout. The kitchen overlooks the dining area and great room, while having a view to the covered lanai outside. Ample windows and a set of sliding glass doors allow lighting into the living area. The well-appointed kitchen features an island with bar seating, beautiful quartz countertops and stainless-steel appliances, making entertaining a breeze. The first floor also features a flex room that provides an area for work or play, a bedroom, and full bathroom. As we head up to the second floor, we are greeted with bedroom one that features an en suite bathroom as well as three additional bedrooms that surround a second living area, a full bathroom, and a laundry area. Like all homes in Harmony West, the Hayden includes Smart home technology package which allows you to control your home with your smart device while near or away. *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
$169
On market
25 days
Annual tax
$3,183
HOA
$133/qtr
Flood zone
X · Low risk
Lot
5,663 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
2 car garage
5,663 sqft lot
Lot size
2,601 sqft
Living area

Payment

Est. monthly payment
$2,825/mo
Down payment (20%)
$87,999
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
5,663 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
25
Eat-in Kitchen
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 #
18-26-32-5376-0001-2250

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
5,663 sqft
HOA
$133/qtr
Association Solutions of Central Florida- Mark

Price history

Date
Event
Price
-
Price change
Source: Stellar MLS #O6442014
$439,997-1.0%
$169/sqft
9/15/2026
Listed for sale
Source: Stellar MLS #O6442014
$444,245
$171/sqft

Neighborhood

3229 House Finch Rd
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $439,997
$437,500 – $439,997
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 25 after a $4,248 cut.

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
$2,824/mo
Principal & interest$2,295
Property taxes$265
Insurance$220
HOA$44
Down payment20% · $87,999
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

$439,997

$169 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,601 sq ft

Time on market

25 days

Year built

2026

Monthly payment

About $2,825/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# O6442014.

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