2786 Harmonia Hammock Rd, photo 1
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Overview

5 bd3 ba2,626 sqft2 car garageSingle Family
TypeSingle Family
HOA$110/qtr
Built2021
Lot13,504 sqft
Living area2,626 sqft
Price / sqft$173
Garage2 car

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About this home

Eat-in KitchenKitchen/Family Room ComboOpen FloorplanPrimarybedroom UpstairsSplit BedroomStone CountersThermostatWalk-in Closet(s)

2786 Harmonia Hammock Rd is a 2021-built home in Villages At Harmony Ph 1b, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,626 square feet of living space. Listed at $454,999 (about $173/sqft), 76 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $110 quarterly.

From the listing

Welcome to 2786 Harmonia Hammock Road, a beautifully maintained 5 bedroom, 3 bathroom home located in the highly desirable Harmony West community. Situated on a premium conservation and pond view lot, this home offers peaceful views with no rear neighbors immediately behind, creating the perfect backdrop for everyday living. A covered front porch welcomes you inside, where you'll find a versatile formal living room or den just off the entry. The open concept floor plan features a spacious living room and a beautifully appointed kitchen with dark granite countertops, white cabinetry, stainless steel Whirlpool appliances, a large center island, and a walk in pantry, making it ideal for entertaining. A first floor bedroom and full bathroom provide the perfect setup for guests or multigenerational living, while additional storage includes a coat closet and under stair storage. Upstairs, the spacious primary suite features two walk in closets and an en suite bathroom with a large walk in shower. A generous loft provides additional living space, while three more bedrooms, a full bathroom, a dedicated laundry room with added cabinetry, and multiple linen closets complete the second floor. Step outside to enjoy the oversized backyard overlooking tranquil conservation and water views, offering endless possibilities for outdoor living. Residents of Harmony West enjoy exceptional resort style amenities, including a 5,000 square foot community pool with a sun shelf and splash pad, fitness center, clubhouse, playgrounds, and scenic walking trails. Conveniently located near schools, shopping, dining, and major roadways, this home combines modern comfort with one of Central Florida's fastest growing communities. Schedule your private showing today and experience everything this exceptional Harmony West home has to offer.

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The essentials

Built
2021
Price / sqft
$173
On market
76 days
Annual tax
$7,359
HOA
$110/qtr
Flood zone
X · Low risk
Lot
13,504 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
Water views
Water
2 car garage
0.31 acres
Lot size
2,626 sqft
Living area

Payment

Est. monthly payment
$3,251/mo
Down payment (20%)
$91,000
Property taxes
$613/mo
HOA
$110/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
13,504 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
76
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Primarybedroom Upstairs
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Sprinkler Metered
Street Lights
Dishwasher
Disposal
Microwave
Range
Refrigerator
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)
$7,359
Parcel #
24-26-31-3383-0001-0290

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
Villages At Harmony Ph 1b
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
13,504 sqft
Conservation AreaCorner LotOversized Lot
HOA
$110/qtr
Association Solutions of Central Florida

Price history

Date
Event
Price
10/5/2026
Price change
Source: Stellar MLS #S5154542
$454,999-1.1%
$173/sqft
-
Price change
Source: Stellar MLS #S5154542
$459,999-1.1%
$175/sqft
7/31/2026
Listed for sale
Source: Stellar MLS #S5154542
$464,999
$177/sqft

Neighborhood

2786 Harmonia Hammock Rd
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $454,999
$452,500 – $454,999
99.5% – 100% of listTops out right at the list price
80% of listList price
73 of the last 129 home closings in 34773 landed at this number or higher (57%). The median one sat 43 days before it went under contract, and this one is on day 76 after a $10,000 cut.

Sample: 129 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
$3,251/mo
Principal & interest$2,373
Property taxes$613
Insurance$227
HOA$37
Down payment20% · $91,000
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

$454,999

$173 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,626 sq ft

Time on market

76 days

Year built

2021

Monthly payment

About $3,251/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,359 annual tax bill, insurance, and the $110/qtr HOA fee.

HOA fee

$110/qtr

Managed by Association Solutions of Central Florida.

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 byTHE FIRM REListing agent: Naf ZamanListing data from Stellar MLS, MLS# S5154542.

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