2835 Harmonia Hammock Rd, photo 1
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Overview

5 bd3 ba2,626 sqftSingle Family
TypeSingle Family
HOA$110/qtr
Built2021
Lot5,663 sqft
Living area2,626 sqft
Price / sqft$175

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

About this home

Ceiling Fans(s)Open FloorplanStone CountersThermostatWalk-in Closet(s)Deed RestrictionsDog ParkFitness Center

2835 Harmonia Hammock Rd is a 2021-built home in Villages At Harmony Ph 1b, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,626 square feet of living space. Listed at $460,000 (about $175/sqft), 3 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $110 quarterly.

From the listing

Make your next move with $12,000 toward closing costs, plus an additional brokerage credit of your loan amount when financing through the preferred lender. Incentives are subject to the terms and limitations below. Welcome to 2835 Harmonia Hammock Road in St. Cloud, where an open layout, a spacious kitchen, and inviting gathering spaces bring everyday comfort together. The kitchen anchors the main living area with granite countertops, stainless steel appliances, ample cabinetry, and a generous island with seating. Its connection to the dining and living areas makes everything from morning coffee to dinner with guests feel effortless. Neutral tile flooring throughout the main living areas offers a clean backdrop for your personal style, complemented by recessed lighting. Sliding glass doors lead to the backyard, providing space for outdoor relaxation, dining, or your next landscaping project. The two-story layout offers flexibility for everyday living, while an attached two-car garage and spacious driveway add practical convenience. Schedule your private showing today and request the details on both closing-cost incentives.

The essentials

Built
2021
Price / sqft
$175
On market
3 days
Annual tax
$7,225
HOA
$110/qtr
Flood zone
X · Low risk
Lot
5,663 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
5,663 sqft lot
Lot size
2,626 sqft
Living area

Payment

Est. monthly payment
$3,268/mo
Down payment (20%)
$92,000
Property taxes
$602/mo
HOA
$110/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
5,663 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
3
Ceiling Fans(s)
Open Floorplan
Stone Counters
Thermostat
Walk-in Closet(s)
Deed Restrictions
Dog Park
Fitness Center
Sidewalks
Dishwasher
Dryer
Electric Water Heater
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)
$7,225
Parcel #
24-26-31-3383-0001-0550

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
Villages At Harmony Ph 1b
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
5,663 sqft
HOA
$110/qtr
Harmony West HOA

Price history

Date
Event
Price
10/15/2026
Listed for sale
Source: Stellar MLS #O6450094
$460,000
$175/sqft

Neighborhood

2835 Harmonia Hammock Rd
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $460,000
$457,500 – $460,000
99.5% – 100% of listTops out right at the list price
80% of listList price
77 of the last 133 home closings in 34773 landed at this number or higher (58%). The median one sat 44 days before it went under contract, and this one is on day 3.

Sample: 133 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
$3,268/mo
Principal & interest$2,399
Property taxes$602
Insurance$230
HOA$37
Down payment20% · $92,000
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

$460,000

$175 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,626 sq ft

Time on market

3 days

Year built

2021

Monthly payment

About $3,268/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,225 annual tax bill, insurance, and the $110/qtr HOA fee.

HOA fee

$110/qtr

Managed by Harmony West HOA.

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 byLEGENDS REAL ESTATE PROFESSIONALS, INCListing agent: Rafael Rodriguez CordovaListing data from Stellar MLS, MLS# O6450094.

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