7732 Bent Tree Loop, photo 1
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Overview

4 bd2 ba1,820 sqft2 car garageSingle Family
TypeSingle Family
HOA$908/yr
Built2026
Lot6,534 sqft
Living area1,820 sqft
Price / sqft$216
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

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

Open FloorplanPest Guard SystemPrivate EntrancePrivate YardSidewalkSprinkler MeteredDog ParkPool

7732 Bent Tree Loop is a 2026-built home in Harmony Central Ph 2, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,820 square feet of living space. Listed at $392,900 (about $216/sqft), 2 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $908 annually.

From the listing

**LIMITED-TIME PROMOTION: FREE WASHER, DRYER AND REFRIGERATOR - RECEIVED AFTER CLOSING!** PRICE REDUCED $20,000 + $15,000 FLEX CASH! Picture the next chapter at 7732 Bent Tree Loop in Harmony Central. This completed Adams Homes 1820C provides 1,820 square feet of living space, four bedrooms, two bathrooms and a two-car garage in a welcoming single-story design. Imagine relaxed mornings, sharing dinner and making room for guests, hobbies or a home office. The primary suite provides a comfortable retreat when it is time to unwind. Now available at $392,900, this new-construction home brings together everyday comfort and meaningful purchase incentives. Harmony Central has NO CDD. Compared with published FY2027 annual CDD assessments of $2,330.49 to $2,539.95 for certain 50-foot single-family lots in Harmony West, that represents approximately $194 to $212 monthly in equivalent CDD costs, or approximately $46,610 to $50,799 over 20 years if those annual amounts remain unchanged. This illustration is not guaranteed future savings. CDD assessments vary by property and assessment area, may change annually, and exclude HOA fees and other property taxes. Community amenities include a pool, cabanas and a dog park. CURRENT LIMITED-TIME PROMOTION: $20,000 price reduction is already reflected in the advertised price, plus $15,000 Flex Cash and a free washer, dryer and refrigerator. New contract must be executed by October 31, 2026, with no contingencies and a 30-day closing in November 2026. When working with Acrisure, one of our preferred lenders, receive an additional Buyer Credit for contracts executed by October 31, 2026, subject to lender terms and eligibility. Flex Cash use is subject to applicable lender and loan-program requirements. Ask the onsite sales team for complete terms, eligibility and availability. Schedule your visit and picture the everyday moments that could begin here.

The essentials

Built
2026
Price / sqft
$216
On market
2 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
1,820 sqft
Living area

Payment

Est. monthly payment
$2,391/mo
Down payment (20%)
$78,580
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
6,534 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
2
Open Floorplan
Pest Guard System
Private Entrance
Private Yard
Sidewalk
Sprinkler Metered
Dog Park
Pool
Street Lights
Dishwasher
Disposal
Electric Water Heater
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-0220

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
HOA
$908/yr
Artemis Lifestyles / Zaimelin Rodriguez

Price history

Date
Event
Price
10/18/2026
Listed for sale
Source: Stellar MLS #O6450777
$392,900
$216/sqft

Neighborhood

7732 Bent Tree Loop
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $392,900
$390,000 – $392,900
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 2.

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
$2,391/mo
Principal & interest$2,049
Property taxes$69
Insurance$196
HOA$76
Down payment20% · $78,580
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

$392,900

$216 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,820 sq ft

Time on market

2 days

Year built

2026

Monthly payment

About $2,391/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 Lifestyles / Zaimelin Rodriguez.

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: Viviani Moreno De SegoviaListing data from Stellar MLS, MLS# O6450777.

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