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Overview

4 bd3 ba2,200 sqft2 car garageSingle Family
TypeSingle Family
HOA$908/yr
Built2026
Lot6,098 sqft
Living area2,200 sqft
Price / sqft$176
Garage2 car

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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 CENTRAL PH 2
Type
Single Family Residence

True monthly carry

HOA
~$76/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

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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.

About this home

Ceiling Fans(s)Stone CountersThermostatSidewalkDog ParkPoolSidewalksDishwasher

7660 Bent Tree Loop is a 2026-built home in Harmony Central Ph 2, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,200 square feet of living space. Listed at $387,900 (about $176/sqft), 3 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $908 annually.

From the listing

Virtually Staged. **LIMITED-TIME PROMOTION: FREE WASHER, DRYER AND REFRIGERATOR - RECEIVED AFTER CLOSING!** PRICE REDUCED $45,000; reduction already reflected in the advertised price. Picture a fresh start with room to spread out, gather and recharge. At 7660 Bent Tree Loop in Harmony Central, the Adams Homes 2200A plan provides 2,200 square feet of living space, 4 bedrooms, 3 full bathrooms and a 2-car attached garage. From a relaxed breakfast to an evening gathering, the connected kitchen and living spaces create a welcoming setting for everyday moments. Four bedrooms provide flexibility for guests, a home office or hobbies, while three full bathrooms add convenience. The single-story layout brings your living spaces together, with a primary suite that provides a comfortable retreat at the end of the day. Harmony Central has NO CDD. Compared with the published FY2027 annual CDD assessments of $2,330.49 to $2,539.95 for certain 50-foot single-family lots in Harmony West, that means avoiding approximately $194 to $212 monthly in equivalent CDD costs - up to approximately $2,540 annually. Over 20 years, that projects to approximately $46,610 to $50,799 in avoided CDD assessments, assuming the cited annual amounts remain unchanged throughout that period; this is an illustration, not guaranteed future savings. Comparison is for CDD assessments only; amounts vary by assessment area and property, may change annually, and do not include HOA fees or other property taxes. Community amenities include a pool with cabanas and a dog park. $15,000 Flex Cash may be used toward eligible purchase expenses or an interest-rate buydown, subject to builder, lender and loan-program terms. New contract must be executed by October 31, 2026, with no contingencies and a 30-day closing in November 2026. For contracts executed by October 31, 2026, receive a 1% Buyer Credit when working with Acrisure, one of the builder's preferred lenders, subject to eligibility and lender terms. Ask the onsite sales team for complete incentive terms and availability. Schedule your private tour and picture the everyday moments that could begin here.

The essentials

Built
2026
Price / sqft
$176
On market
3 days
Annual tax
$831
HOA
$908/yr
Flood zone
X · Low risk
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
6,098 sqft lot
Lot size
2,200 sqft
Living area

Payment

Est. monthly payment
$2,362/mo
Down payment (20%)
$77,580
Property taxes
$69/mo
HOA
$908/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,098 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
3
Ceiling Fans(s)
Stone Counters
Thermostat
Sidewalk
Dog Park
Pool
Sidewalks
Dishwasher
Microwave
Range
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.

Flood Zone X
Annual Tax (2025)
$831
Parcel #
32-26-32-3666-000P-0100

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 Central Ph 2
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
6,098 sqft
HOA
$908/yr
Artemis Lifestyle Management

Price history

Date
Event
Price
10/17/2026
Listed for sale
Source: Stellar MLS #O6450739
$387,900
$176/sqft

Neighborhood

7660 Bent Tree Loop
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $387,900
$385,000 – $387,900
99.5% – 100% of listTops out right at the list price
80% of listList price
78 of the last 134 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: 134 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
$2,362/mo
Principal & interest$2,023
Property taxes$69
Insurance$194
HOA$76
Down payment20% · $77,580
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

$387,900

$176 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,200 sq ft

Time on market

3 days

Year built

2026

Monthly payment

About $2,362/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $831 annual tax bill, insurance, and the $908/yr HOA fee.

HOA fee

$908/yr

Managed by Artemis Lifestyle Management.

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 byADAMS HOMES REALTY, INC.Listing agent: Juan Torres GilListing data from Stellar MLS, MLS# O6450739.

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