3120 Crispin Cir, photo 1
Active
1 / 55

Overview

4 bd4 ba2,732 sqft2 car garageSingle Family
TypeSingle Family
HOA$110/qtr
Built2021
Lot10,454 sqft
Living area2,732 sqft
Price / sqft$183
Garage2 car

Ask anything about this home

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

About this home

Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorPrimarybedroom UpstairsStone CountersThermostat

3120 Crispin Cir is a 2021-built home in Harmony West Ph 1a, St Cloud. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,732 square feet of living space. Listed at $498,990 (about $183/sqft), 6 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $110 quarterly.

From the listing

Virtually Staged. STUNNING LAKE VIEWS | ADDED PRIVACY | MOVE-IN READY | UPGRADES BETTER THAN NEW CONSTRUCTION! Welcome to this beautifully upgraded 2021 home in Harmony West, St. Cloud! Situated on a spacious 0.24-acre lot (approximately 10,454 sq. ft.), this impressive two-story home offers 4 bedrooms, 3.5 bathrooms, and 2,732 sq. ft. of heated living space. Enjoy beautiful water views, NO REAR NEIGHBORS, and no home directly facing yours across the street! The inviting open-concept floor plan features wood-look tile flooring throughout the first floor, elegant plantation shutters, and abundant natural light. The spacious kitchen boasts full-height wood cabinetry, granite countertops, generous storage, and an oversized island with the perfect space for casual dining and breakfast. The first-floor primary suite offers privacy and convenience, while the versatile flex room is ideal for a home office, study, or potential fifth bedroom. Upstairs, enjoy a spacious loft and a junior primary suite with a private bathroom, perfect for guests or multigenerational living. Stylish tiled showers complement the home's elegant finishes. Relax on the screened lanai overlooking the peaceful lake and enjoy beautiful Florida sunsets. Upgraded rubber mulch landscaping enhances curb appeal while helping reduce routine landscape maintenance. Enjoy Harmony West amenities, including a resort-style pool, clubhouse, fitness center, splash park, playground, dog activity park, gazebos with deck to the lake, and outdoor gathering areas. The greater Harmony community also offers Harmony Golf Preserve, dining at GRAZE, Town Center activities, and opportunities for fishing, kayaking, canoeing, and boating at Buck Lake. WHY WAIT FOR NEW CONSTRUCTION? Enjoy a beautifully upgraded, move-in-ready home featuring two private suites, flexible living spaces, a spacious lot, added privacy, and breathtaking lake views. Schedule your private showing today!

The essentials

Built
2021
Price / sqft
$183
On market
6 days
Annual tax
$4,455
HOA
$110/qtr
Flood zone
X · Low risk
Lot
10,454 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
Water views
Water
Community pool
Fitness center too
2 car garage
Driveway
10,454 sqft lot
Lot size

Payment

Est. monthly payment
$3,260/mo
Down payment (20%)
$99,798
Property taxes
$371/mo
HOA
$110/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
10,454 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
6
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Primarybedroom Upstairs
Stone Counters
Thermostat
Window Treatments
Private Entrance
Association Recreation - Owned
Barbecue
Clubhouse
Community Mailbox
Dog Park
Fitness Center
Golf
Park
Playground
Pool
Restaurant
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
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)
$4,455
Parcel #
24-26-31-3382-0001-0860

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 West Ph 1a
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
10,454 sqft
Oversized Lot
HOA
$110/qtr
Shelly Kaercher

Price history

Date
Event
Price
10/9/2026
Listed for sale
Source: Stellar MLS #S5159351
$498,990
$183/sqft

Neighborhood

3120 Crispin Cir
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $498,990
$497,500 – $498,990
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 6.

Sample: 129 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
$3,260/mo
Principal & interest$2,602
Property taxes$371
Insurance$249
HOA$37
Down payment20% · $99,798
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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

$498,990

$183 per sq ft

Beds and baths

4 beds, 4 baths

Size

2,732 sq ft

Time on market

6 days

Year built

2021

Monthly payment

About $3,260/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,455 annual tax bill, insurance, and the $110/qtr HOA fee.

HOA fee

$110/qtr

Managed by Shelly Kaercher.

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 byNONA LEGACY POWERED BY LA ROSAListing agent: Darlene Cruz MercadoListing data from Stellar MLS, MLS# S5159351.

Keep exploring Florida

Pick up where you left off, or see what else is out there.