Overview
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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
3116 House Finch Rd is a 2026-built home in Harmony West, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,665 square feet of living space. Listed at $362,990 (about $218/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $133 quarterly.
Under Construction. The Harper floorplan offers a 4-bedroom, 2-bathroom home with 1,665 sq ft of living space. Features include quartz and Revwood floors, an open layout, a spacious living room with natural light, a chef's kitchen with quartz countertops and stainless steel appliances, and a primary suite with a private ensuite bathroom. This all concrete block construction home also includes smart home technology for control via smart devices. *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.*
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The essentials
At a glance
Payment
Details
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 127 closed home sales in 34773 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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
$362,990
$218 per sq ft
Beds and baths
4 beds, 2 baths
Size
1,665 sq ft
Time on market
3 days
Year built
2026
Monthly payment
About $2,367/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,983 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.
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