3301 Schoolhouse Road, St Cloud, FL 34773
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
3301 Schoolhouse Road in Birchwood Nbhds B & C, St Cloud is listed at $1,750,000 (6,345 sq ft, about $276 per sq ft). That is 495% above Birchwood Nbhds B & C's median closed sale of $294,250 over the last 12 months (10 recorded sales). Per square foot it is above the community's recent $194/sq ft by about 42%. It came to market within the past week. Listing facts: built in 2012, a private pool, HOA dues of $14/mo, a CDD assessment of about $895/yr. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- CDD assessment ~$895/yr
- Built 2012 · 14 yrs
- 6,345 sq ft of living area
- 5-car garage
- New to market
- HOA $14/mo (per listing)
About this home
Welcome to an extraordinary, luxuriously upgraded custom estate offering approximately 6,345 square feet of living space, 7 bedrooms, 5 full bathrooms, 1 half bathroom, and a 5-CAR GARAGE! Nestled in the beautiful master-planned community of Harmony, this remarkable residence combines grand architecture, extensive renovations, and an exceptional Florida lifestyle! THE BIG-TICKET UPGRADES ARE ALREADY DONE! Featuring a NEW METAL SHINGLE ROOF (2024), ALL THREE A/C UNITS REPLACED (2022), TWO NEW GAS WATER HEATERS (2022), a COMPLETELY RENOVATED KITCHEN, ALL NEWLY RENOVATED BATHROOMS featuring luxurious upgraded toilets, and stunning NEW GRANITE FLOORING!
These substantial improvements bring modern comfort, elegance, and sophistication to this exceptional residence. Step inside and discover SOARING CEILINGS, dramatic architectural details, elegant columns, expansive living areas, and beautiful finishes. The newly redesigned kitchen serves as a stunning centerpiece for everyday living and entertaining, while the spacious floor plan offers incredible flexibility for guests, multigenerational living, and those who appreciate room to spread out.
YOUR PRIVATE ENTERTAINMENT PARADISE! Enjoy your own SWIMMING POOL, OUTDOOR KITCHEN, dedicated THEATER ROOM, and extraordinary ROOFTOP ENTERTAINING DECK WITH SPA! Imagine hosting unforgettable gatherings, relaxing beneath the stars, or enjoying the Florida sunshine from your private retreat. This home was designed to impress!
BUT THE LIFESTYLE DOESN'T END AT YOUR FRONT DOOR! Harmony is so much more than a neighborhood — it's a charming, thoughtfully planned community with the feeling of its OWN LITTLE TOWN! Enjoy nearby SCHOOLS, EARLY CHILDHOOD EDUCATION OPTIONS, RESTAURANTS, SHOPPING, DOG DAYCARE & DOG SPA SERVICES, COMMUNITY SWIMMING POOLS, TENNIS & BASKETBALL COURTS, PLAYGROUNDS, PARKS, and miles of scenic WALKING & BIKING TRAILS! Discover beautiful BUCK LAKE with its LAKESIDE BEACH AREA, fishing, kayaking, canoeing, and recreational boating opportunities.
Golf enthusiasts will appreciate the beautiful HARMONY GOLF PRESERVE, while nature lovers can embrace the picturesque lakes, open spaces, and natural surroundings. The charming town center adds convenience and character, bringing everyday essentials and recreational opportunities together in one remarkable community! Convenient access to US-192 connects residents to St.
Cloud, shopping, dining, and greater Central Florida while maintaining Harmony's distinctive small-town atmosphere. WHY SETTLE FOR ORDINARY WHEN YOU CAN HAVE EXTRAORDINARY? A luxuriously renovated custom estate, substantial system upgrades, incredible entertainment spaces, and an exceptional community lifestyle! EXPERIENCE THE HOME.
DISCOVER THE COMMUNITY. LIVE THE HARMONY LIFESTYLE! Schedule your private showing today!
Description provided by INTERMIX REAL ESTATE INC and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $9,617/mo 77%
- Taxes $2,158/mo 17%
- Insurance $631/mo 5%
- HOA $14/mo 0%
- CDD $75/mo 1%
$12,495/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3301 Schoolhouse Road
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $13,300/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,750,000 and the first-year bill resets to about $25,900/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.23 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| CDD / special assessments | About $895/yr, the figure on file for this community; the listing record does not state its own. |
| HOA dues | $14/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $5,500–$11,000/yr; neither is a quote. |
| Roof and age | Built in 2012. An original roof is about 14 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the asking price, before the mortgage: about $2,392/month (tax $2,158, CDD $75, HOA $14, insurance $145). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Osceola County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Osceola County market
How this home is priced against recent nearby sales, and where Osceola County has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Osceola County
Each dot is a closed sale since 2016 (96 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2021–2026. This home lists at $276/sq ft.
Median sale price by year
12-month median closed price, 2021–2026.
This home’s history
- 2012BuiltPer public record
- About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-23" data-fmt="dom">listed Oct 23, 2026</span>)
- Oct 24, 2026First seen on movewithmomentum.comObserved at $1,750,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
Only 2 closed sales within about 10 miles in Osceola County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Osceola County in the last 18 months. Only 2 qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 6,345 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 24, 2026.
Momentum Property Score
20/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 4800.0 months of supply in the surrounding market and 1 days on market for this home, against a 106-day area median.Days on market:this home 1Area median: 106 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2026. As of September 20, 2026.
🟡 Asking $276 per square foot, about 42% above the community’s $194 median. Osceola County’s 12-month median sold price per square foot is $194. Median sold price per square foot is down 6.6% year over year. Confidence: Medium · 10 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
21% of homes in Osceola County are owner-occupied. An estimated 79% are non-owner-occupied, including 38% held in a company or trust and 39% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 2566 homes matched. Community-level context.
Recent Osceola County sales closed near 95.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1051 active listings in Osceola County.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 24, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by INTERMIX REAL ESTATE INC · MLS # O6452090
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Every home on Schoolhouse Road: what is for sale, what sold and when, the homes and the communities along it.
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More on Osceola County
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Assigned schools
Schools currently assigned to this address in Osceola County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 3301 Schoolhouse Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2012: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $14/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- A CDD assessment of about $895/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Osceola County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 6,345 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $25,900/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $12,600 more per year than the current owner’s estimated bill (+95%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 24, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Osceola County — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 3301 Schoolhouse Road and when was it built?
Per the listing record, 3301 Schoolhouse Road was built in 2012 and has 6,345 sq ft of living area, 7 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3301 Schoolhouse Road in?
3301 Schoolhouse Road is in Birchwood Nbhds B & C in St Cloud, Osceola County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 3301 Schoolhouse Road have an HOA, and how much are the dues?
The listing reports HOA dues of $14 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $895 per year; confirm the exact figure with the county.
Why might property taxes on 3301 Schoolhouse Road differ from the current owner's?
The estimate on this page (about $25,900 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $12,600 more per year than the current owner’s estimated bill (+95%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Are short-term rentals allowed at 3301 Schoolhouse Road?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 3301 Schoolhouse Road in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 3301 SCHOOLHOUSE ROAD in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.