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Overview

3 bd3 ba2,355 sqft2 car garageSingle Family
TypeSingle Family
HOA$755/qtr
Built2022
Lot8,712 sqft
Living area2,355 sqft
Price / sqft$174
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboLightingSidewalkClubhouseFitness Center

3232 Songbird Cir is a 2022-built home in Harmony Nbhd J, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,355 square feet of living space. Listed at $409,000 (about $174/sqft), 38 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $755 quarterly.

From the listing

Space is the standout here. With 2,355 square feet, 3 bedrooms, and 3 full bathrooms, this Saint Cloud home features the largest floor plan offered among the newer builds in this 55+ community—a layout that rarely becomes available. Solar panels add another major benefit, along with an open design, generous room sizes, and plenty of space for everyday living and entertaining—all while keeping the electric bill under $40! From the foyer, the home opens into a spacious main living area where the kitchen, living room, breakfast nook, and dining room connect naturally. The kitchen is a standout with granite countertops throughout, abundant cabinetry, stainless steel appliances, a generous sized pantry, and an oversized island with seating. Multiple dining areas give you the flexibility to keep things casual at the breakfast nook or create a more traditional dining space when entertaining. The primary suite is tucked toward the back of the home and offers an especially spacious bedroom along with a private bath featuring a long dual-sink granite vanity and oversized walk-in tile shower. Two additional bedrooms are positioned separately within the floor plan, and with three full bathrooms, guests have plenty of privacy and convenience. A dedicated laundry room adds even more functionality with cabinetry, granite counter space, a utility sink, and additional storage. Throughout the main living areas, tile flooring and a light, neutral interior help keep the home feeling bright and open. Sliding glass doors extend the living space outdoors to a covered paver patio with a ceiling fan, overlooking a spacious backyard with room to enjoy the Florida weather. Built in 2022 and situated on nearly a quarter-acre lot, this single-story home brings together a rarely available floor plan, multiple gathering areas, covered outdoor living, and a two-car garage in the Harmony area of Saint Cloud.

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The essentials

Built
2022
Price / sqft
$174
On market
38 days
Annual tax
$7,525
HOA
$755/qtr
Flood zone
X · Low risk
Lot
8,712 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Community pool
Fitness center too
2 car garage
8,712 sqft lot
Lot size
2,355 sqft
Living area

Payment

Est. monthly payment
$3,217/mo
Down payment (20%)
$81,800
Property taxes
$627/mo
HOA
$755/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
8,712 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
38
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Lighting
Sidewalk
Clubhouse
Fitness Center
Gated Community - No Guard
Park
Playground
Pool
Sidewalks
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$7,525
Parcel #
29-26-32-3357-0001-0830

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 J
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
8,712 sqft
HOA
$755/qtr
Association Solutions of Central FL/Mark Hills

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #S5157246
$409,000-4.7%
$174/sqft
9/10/2026
Listed for sale
Source: Stellar MLS #S5157246
$429,000
$182/sqft

Neighborhood

3232 Songbird Cir
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $409,000
$407,500 – $409,000
99.5% – 100% of listTops out right at the list price
80% of listList price
77 of the last 133 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 38 after a $20,000 cut.

Sample: 133 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
$3,217/mo
Principal & interest$2,133
Property taxes$627
Insurance$205
HOA$252
Down payment20% · $81,800
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

$409,000

$174 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,355 sq ft

Time on market

38 days

Year built

2022

Monthly payment

About $3,217/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,525 annual tax bill, insurance, and the $755/qtr HOA fee.

HOA fee

$755/qtr

Managed by Association Solutions of Central FL/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

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Have another question?

Brokered byEXP REALTY LLCListing agent: Steve PughListing data from Stellar MLS, MLS# S5157246.

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