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Overview

3 bd2 ba1,852 sqft2 car garageSingle Family
TypeSingle Family
HOA$251/mo
Built2023
Lot10,018 sqft
Living area1,852 sqft
Price / sqft$238
Garage2 car

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

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

3184 Songbird Cir is a 2023-built home in Harmony Nbhd J, Harmony. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,852 square feet of living space. Listed at $439,900 (about $238/sqft), 24 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $251 monthly.

From the listing

Discover resort-style living in The Lakes at Harmony, a sought-after 55 and better community nestled in a peaceful corner of St. Cloud. This beautifully maintained 3-bedroom, 2-bath pool home offers more than 1850 square feet of inviting living space on a spacious lot, complete with a custom saltwater pool designed for relaxing, entertaining, and enjoying Florida's year-round sunshine. Step inside to an open, comfortable layout that makes everyday living and hosting effortless. The kitchen features upgraded stainless-steel appliances, while the spacious owner's suite provides a private retreat with a beautifully tiled shower and glass enclosure. Outside, your private pool oasis offers the perfect setting for morning swims, weekend gatherings, or unwinding at the end of the day--with the added benefit of retractable privacy screens completely around the pool area, as well as the larger homesite with plenty of outdoor space. The Lakes at Harmony delivers an exceptional lifestyle with lawn maintenance included and access to desirable community amenities within the master-planned Harmony community. Golf lovers will appreciate the beautiful Johnny Miller Signature 18-hole-par 72 golf course, while residents enjoy the tranquility and convenience of this welcoming neighborhood. If you've been waiting for a move-in-ready pool home in a vibrant 55+ community, this is your opportunity. Come see why life in Harmony feels like a vacation--schedule your private showing today before this exceptional home is gone!

The essentials

Built
2023
Price / sqft
$238
On market
24 days
Annual tax
$4,888
HOA
$251/mo
Flood zone
X · Low risk
Lot
10,018 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Private pool
Gunite
2 car garage
Driveway
10,018 sqft lot
Lot size
1,852 sqft
Living area

Payment

Est. monthly payment
$3,172/mo
Down payment (20%)
$87,980
Property taxes
$407/mo
HOA
$251/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
10,018 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Oversized
Pool
Gunite, In Ground, Lighting, Pool Alarm, Salt Water, Screen Enclosure
Days on Market
24
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Walk-in Closet(s)
Window Treatments
Sidewalk
Buyer Approval Required
Clubhouse
Community Mailbox
Dog Park
Fitness Center
Golf Carts OK
Golf
Irrigation-reclaimed Water
Park
Pool
Restaurant
Sidewalks
Tennis Court(s)
Wheelchair Access
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Range Hood
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$4,888
Parcel #
29-26-32-3357-0001-0760

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
10,018 sqft
Conservation AreaCorner LotIn CountyLandscapedLevelNear Golf CourseOversized LotSidewalkPaved
HOA
$251/mo
Association Solutions of Central Florida

Price history

Date
Event
Price
9/16/2026
Listed for sale
Source: Stellar MLS #S5157894
$439,900
$238/sqft

Neighborhood

3184 Songbird Cir
Harmony, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $439,900
$437,500 – $439,900
99.5% – 100% of listTops out right at the list price
80% of listList price
71 of the last 126 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 24.

Sample: 126 closed home sales in 34773 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,173/mo
Principal & interest$2,294
Property taxes$407
Insurance$220
HOA$251
Down payment20% · $87,980
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 is the fee 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

$439,900

$238 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,852 sq ft

Time on market

24 days

Year built

2023

Monthly payment

About $3,172/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,888 annual tax bill, insurance, and the $251/mo HOA fee.

HOA fee

$251/mo

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

What should I offer?

Have another question?

Brokered byWEICHERT REALTORS HALLMARK PROListing agent: Barbara ReillyListing data from Stellar MLS, MLS# S5157894.

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