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Overview

3 bd2 ba1,580 sqft2 car garageSingle Family
TypeSingle Family
HOA$260/qtr
Built2022
Lot4,792 sqft
Living area1,580 sqft
Price / sqft$229
Garage2 car

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About this home

Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsStone CountersThermostat

3200 Oxbow CT is a 2022-built home in Enclave At Lakes Of Harmony, Harmony. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,580 square feet of living space. Listed at $362,500 (about $229/sqft), 24 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $260 quarterly.

From the listing

Gorgeous 3/2 Modern Home with a 2 Car Garage in the Highly Desired Enclave at Lakes of Harmony - St Cloud! Available Now! This gated community is designed for outdoor enthusiasts, the vibrant community features two private lakes and fantastic amenities like a resort-style community pool, splashpad, playground, fitness center, basketball courts, parks, picnic areas, and over 12 miles of scenic walking/biking trails. This golf course community offers endless opportunities, you will always have an activity to entertain your family and guests. As you step inside, you are greeted by a welcoming foyer that leads to a spacious open floor plan consisting of 1580 square feet of modern living space enhanced by tile flooring and abundant natural light that fills the space with a warm, calming atmosphere. The heart of this home is the exquisite kitchen, featuring elegant gray wood cabinets, a stylish Soho Halo Grey backsplash, sleek quartz countertops, a kitchen island/breakfast bar, and top-of-the-line stainless steel Whirlpool appliances. Additionally, this gorgeous home offers a laundry room (Washer and Dryer Included) and a spacious 2 car garage with a paved driveway for extra parking. This home features numerous interior upgrades, including a stunning kitchen renovation, elegant Mokuzai Daku tile flooring, and modern amenities such as recessed lighting, matte black ceiling fans, and Moen faucets. The thoughtfully designed floor plan seamlessly blends the main living areas, providing the ultimate retreat for relaxation and comfort. The master suite is a true sanctuary, complete with a generous walk-in closet and a spa-like bathroom boasting luxurious finishes, dual vanities, and a frameless step-in shower. Two spacious guest bedrooms, each with ample closet space, share a well-appointed full bathroom, ensuring convenience for family and guests alike. Outside, a peaceful oasis awaits right from your backyard, offering a serene and picturesque view of the conservation area. The covered patio is perfect for a relaxing evening or outdoor activities with family and friends. Don't miss this incredible opportunity! Ideally located, near top-rated schools and a short drive to Downtown St Cloud, offering a range of shopping, restaurants and entertainment options.

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The essentials

Built
2022
Price / sqft
$229
On market
24 days
Annual tax
$6,378
HOA
$260/qtr
Flood zone
X · Low risk
Lot
4,792 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Water views
Water
2 car garage
4,792 sqft lot
Lot size
1,580 sqft
Living area

Payment

Est. monthly payment
$2,690/mo
Down payment (20%)
$72,500
Property taxes
$532/mo
HOA
$260/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
4,792 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
-
Days on Market
24
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Thermostat
Walk-in Closet(s)
Dog Run
Sidewalk
Clubhouse
Dog Park
Fitness Center
Gated Community - No Guard
Golf
Park
Playground
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Dryer
Microwave
Range
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)
$6,378
Parcel #
20-26-32-3496-0001-0110

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
Enclave At Lakes Of Harmony
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
4,792 sqft
Landscaped
HOA
$260/qtr
Mark Hills

Price history

Date
Event
Price
9/16/2026
Listed for sale
Source: Stellar MLS #O6442249
$362,500
$229/sqft

Neighborhood

3200 Oxbow CT
Harmony, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $362,500
$360,000 – $362,500
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 24.

Sample: 126 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
$2,690/mo
Principal & interest$1,891
Property taxes$532
Insurance$181
HOA$87
Down payment20% · $72,500
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

$362,500

$229 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,580 sq ft

Time on market

24 days

Year built

2022

Monthly payment

About $2,690/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,378 annual tax bill, insurance, and the $260/qtr HOA fee.

HOA fee

$260/qtr

Managed by Mark Hills.

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 byLPT REALTY, LLCListing agent: Andi GambleListing data from Stellar MLS, MLS# O6442249.

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