7678 Bent Tree Loop, photo 1
Active
1 / 16

Overview

3 bd2 ba1,970 sqft2 car garageSingle Family
TypeSingle Family
HOA$908/yr
Built2026
Lot6,534 sqft
Living area1,970 sqft
Price / sqft$192
Garage2 car

Ask anything about this home

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

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

IN Wall Pest SystemTray Ceiling(s)Vaulted Ceiling(s)SidewalkClubhouseDog ParkPoolDishwasher

7678 Bent Tree Loop is a 2026-built home in Harmony Central Ph 2, Harmony. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,970 square feet of living space. Listed at $378,900 (about $192/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 an easy morning, a lively dinner gathering and a comfortable place to unwind at the end of the day. At 7678 Bent Tree Loop in Harmony Central, the Adams Homes 1970D plan provides 1,970 square feet of living space, 3 bedrooms, 2 full bathrooms and a 2-car attached garage. The single-story design brings together inviting living and kitchen spaces for everyday connection, while three bedrooms provide flexibility for guests, work or hobbies. The primary suite creates a comfortable retreat, and the additional living space gives you room to arrange your home around the moments that matter to you. 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
$192
On market
3 days
Annual tax
$831
HOA
$908/yr
Flood zone
X · Low risk
Lot
6,534 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
6,534 sqft lot
Lot size
1,970 sqft
Living area

Payment

Est. monthly payment
$2,311/mo
Down payment (20%)
$75,780
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
6,534 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
3
IN Wall Pest System
Tray Ceiling(s)
Vaulted Ceiling(s)
Sidewalk
Clubhouse
Dog Park
Pool
Dishwasher
Disposal
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 (2026)
$831
Parcel #
32-26-32-3666-000P-0130

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
6,534 sqft
Conservation Area
HOA
$908/yr
Beth Connor

Price history

Date
Event
Price
10/17/2026
Listed for sale
Source: Stellar MLS #O6450741
$378,900
$192/sqft

Neighborhood

7678 Bent Tree Loop
Harmony, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $378,900
$377,500 – $378,900
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
$2,311/mo
Principal & interest$1,976
Property taxes$69
Insurance$189
HOA$76
Down payment20% · $75,780
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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

$378,900

$192 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,970 sq ft

Time on market

3 days

Year built

2026

Monthly payment

About $2,311/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 Beth Connor.

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 byADAMS HOMES REALTY, INC.Listing agent: Juan Torres GilListing data from Stellar MLS, MLS# O6450741.

Keep exploring Florida

Pick up where you left off, or see what else is out there.