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About this home
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.
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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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
$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.
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