

Overview
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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
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.
About this home
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.
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.
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
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
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Sample: 134 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 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.
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