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About this home
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.
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
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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.
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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.
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