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Overview

3 bd3 ba2,451 sqft2 car garageSingle Family
TypeSingle Family
HOA$103/yr
Built2012
Lot7,449 sqft
Living area2,451 sqft
Price / sqft$194
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanWindow TreatmentsClubhouseDeed Restrictions

3214 Needlegrass Ln is a 2012-built home in Harmony Nbhd D2 & E, Harmony. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,451 square feet of living space. Listed at $474,900 (about $194/sqft), 128 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $103 annually.

From the listing

RARE OPPORTUNITY! Enjoy the added value of a FULLY PAID-OFF CDD Bond and Solar System. Ideally located in HARMONY MAIN, the original and established area of Harmony, this one-owner former LifeStyle Homes Grand Cayman Builder Model has been meticulously maintained and offers premium finishes, thoughtful upgrades, and exceptional craftsmanship throughout. This beautiful home is perfectly situated on a PREMIUM CORNER LOT overlooking a tranquil pond in the award-winning Harmony community. Featuring 3 bedrooms, 3 full bathrooms, and an expansive PRIVATE UPSTAIRS BONUS ROOM with a full bath, creates a versatile living space with flexibility as a media room, game room, home office, guest suite, or potential 4th BEDROOM. This home offers the perfect blend of comfort, flexibility, and energy efficiency. The open-concept floor plan is designed for everyday living and entertaining, highlighted by a spacious kitchen with a large center island, abundant cabinetry, and seamless flow into the living and dining areas. LARGE POCKET SLIDING GLASS DOORS OPEN WIDE TO THE COVERED, FULLY SCREENED LANAI, creating a beautiful indoor-outdoor living experience and showcasing PEACEFUL POND VIEWS. Enjoy your morning coffee on the charming front porch, relax on the screened lanai overlooking the water, or take a golf cart or bike ride to nearby Buck Lake, playgrounds, parks, walking trails, fishing piers, basketball and volleyball courts, and the community splash pad. A neighborhood park and dog-friendly green space are just steps away. Experience the award-winning Harmony lifestyle with exceptional community amenities, including the 18-hole Harmony Golf Preserve, over 12 miles of scenic trails, two resort-style pools, dog parks, a vibrant Town Square featuring shops and restaurants, and highly rated schools. With a paid-off CDD bond, a paid-off solar system, one-owner history, a premium corner lot, pond views, and one of Harmony's most desirable floor plans, this home offers a lifestyle that is hard to find and easy to love. Conveniently located near top-rated schools, shopping, dining, Lake Nona, Orlando International Airport, major highways, and Florida's beaches, this exceptional home offers the perfect opportunity to enjoy everything Harmony has to offer. Schedule your private showing today. Buyer is responsible for independently verifying all measurements, dimensions, acreage, zoning, permitting, and any information deemed important to the purchase decision.

The essentials

Built
2012
Price / sqft
$194
On market
128 days
Annual tax
$5,043
HOA
$103/yr
Flood zone
X · Low risk
Lot
7,449 sqft
Type
Single Family Residence

At a glance

Single family
Built 2012
Water views
Park/Greenbelt
Community pool
Shared amenity
2 car garage
7,449 sqft lot
Lot size

Payment

Est. monthly payment
$3,144/mo
Down payment (20%)
$94,980
Property taxes
$420/mo
HOA
$103/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2012
Lot
7,449 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
128
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Window Treatments
Clubhouse
Deed Restrictions
Dog Park
Golf Carts OK
Irrigation-reclaimed Water
Playground
Pool
Restaurant
Sidewalks
Dishwasher
Disposal
Microwave
Range
Refrigerator
Water Filtration System
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)
$5,043
Parcel #
30-26-32-3292-0001-11D2

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 Nbhd D2 & E
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
7,449 sqft
Corner LotSidewalk
HOA
$103/yr
Mark Hills

Price history

Date
Event
Price
6/8/2026
Listed for sale
Source: Stellar MLS #S5151697
$474,900
$194/sqft

Neighborhood

3214 Needlegrass Ln
Harmony, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $474,900
$472,500 – $474,900
99.5% – 100% of listTops out right at the list price
80% of listList price
72 of the last 128 home closings in 34773 landed at this number or higher (56%). The median one sat 43 days before it went under contract, and this one is on day 128.

Sample: 128 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
$3,143/mo
Principal & interest$2,477
Property taxes$420
Insurance$237
HOA$9
Down payment20% · $94,980
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

$474,900

$194 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,451 sq ft

Time on market

128 days

Year built

2012

Monthly payment

About $3,144/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,043 annual tax bill, insurance, and the $103/yr HOA fee.

HOA fee

$103/yr

Managed by Mark Hills.

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?

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Brokered byCHARLES RUTENBERG REALTY ORLANDOListing agent: Charles HendricksListing data from Stellar MLS, MLS# S5151697.

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