Active Single Family Residence
$442,900
4-Bedroom Home in HARMONY CENTRAL PH 2

3626 BRIARLYNN WAY, ST CLOUD, FL 34773

Single Family Residence in HARMONY CENTRAL PH 2, ST CLOUD · No CDD · Built 2026
HARMONY CENTRAL PH 2 · ST CLOUD, FL 34773 · Osceola
Listing data updated July 23, 2026 · refreshed twice daily
4Bedrooms
2.5Bathrooms
2,405Sq Ft
2026Year Built
$184Per Sq Ft
2-car garageNew constructionNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
6% below
$/sq ft vs community
$184 here vs $196 median sold (12 mo)
Buyer leverage
Balanced market
3.7-month supply
3.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 2 of 4
Price vs recent sales
Asking $443k tops 2 of the last 4 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • New construction — built 2026
  • 2,405 sq ft of living area
  • 2-car garage
  • Listed at $442,900 — recent neighborhood median sale price ~$412,167 (nearby sales; deemed reliable, not an appraisal)
  • Active listing
  • HOA ~$50/mo (estimate; confirm)
Momentum Research · Harmony Central Harmony

Pricing & the Harmony Central Harmony market

How this home is priced against recent nearby sales, and where Harmony Central Harmony 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 per sq ft · this home vs. recent nearby salesThis homeThis home: $184/sq ft$1847637 BENT TREE LOOP7637 BENT TREE LOOP: $185/sq ft$1853639 BRIARLYNNE WAY3639 BRIARLYNNE WAY: $187/sq ft$1873619 BRIARLYNNE WAY3619 BRIARLYNNE WAY: $200/sq ft$200Community median $196

Price vs. size in Harmony Central Harmony

Each dot is a closed sale since 2023 (230 total). This home is the gold marker.

$307k$419k$531k1,3152,2513,187This home: $442,900, 2,405 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). realMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2023–2026. This home lists at $184/sq ft.

$163$185$2072023: $16720232024: $18320242025: $20320252026: $1962026

Median sale price by year

12-month median closed price, 2023–2026.

$385k$400k$415k2023: $388k20232024: $395k20242025: $411k20252026: $412k2026
Property timeline

This home’s history

  • 2026BuiltPer public record
  • Jul 10, 2026First trackedObserved at $442,900
  • NowActiveCurrently for sale

Build year is from public record. Listing 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.

Financing

Estimated monthly payment

$2,798/mo
  • Principal & interest $2,244/mo 80%
  • Taxes $388/mo 14%
  • Insurance $116/mo 4%
  • HOA $50/mo 2%

$2,798/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

61/100
Strongest on: Buyer competition (96), Flood safety (95)
0 limited50100 exceptional

61/100 is solid, mid-pack 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.

Price vs area65
This home $184/sq ft vs the community 12-month median $196/sq ft.
Affordability38
List price $442,900 vs the community median $412,167. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity39
Community median 96 days on market, ~3.7 months of supply (12-month record).
Renovation upside30
From a 2026 build and $184/sq ft vs the community median $196/sq ft. Not a condition assessment.
Buyer competition96
4% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power42
Recent sales closed at about 99.5% of original asking (~0.5% below). More room below asking generally favors buyers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $184 per square foot, about 6% below the community’s $196 median. Harmony Central Harmony’s 12-month median sold price per square foot is $196. Median sold price per square foot is up 0.2% year over year. Confidence: Very High · 79 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

22% of homes in Harmony Central Harmony are owner-occupied. An estimated 78% are non-owner-occupied, including 54% held in a company or trust and 1% 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), 187 homes matched. Community-level context.

Recent Harmony Central Harmony sales closed near 99.5% of original asking. Cash paid for about 4% of recent closings here.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 realMLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 28 active listings in Harmony Central Harmony, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Virtually Staged. Welcome home to this beautifully designed 2,405 square foot two-story residence offering the perfect blend of space, functionality, and modern living. Featuring 4 bedrooms, 2.5 bathrooms, a spacious loft, and a 2-car garage, this home provides plenty of room for families of all sizes.

As you enter, you’re greeted by a welcoming foyer that opens into a bright and airy floor plan designed for both everyday comfort and entertaining. The heart of the home is the expansive great room, which flows seamlessly into the dining area and kitchen, creating an ideal gathering space. The kitchen features ample cabinet and countertop space, a center island, pantry, and a layout that allows the cook to remain connected with family and guests.

The first floor also includes a convenient powder bath, indoor laundry room, and direct access to the garage. Sliding glass doors lead to the covered lanai, providing the perfect place to enjoy morning coffee, outdoor dining, or Florida’s beautiful year-round weather. Upstairs, the versatile loft offers endless possibilities and can be used as a second living area, media room, home office, playroom, fitness space, or study area.

The spacious owner’s suite serves as a private retreat and features a large walk-in closet and an ensuite bath with dual vanities, a soaking tub, separate shower, and private water closet. Three additional bedrooms are located on the second floor, each offering comfortable living space and convenient access to the full guest bathroom. Thoughtful design elements throughout the home maximize functionality while providing abundant storage options.

This floor plan is ideal for those seeking flexibility, whether working from home, accommodating guests, or creating dedicated spaces for hobbies and recreation. The open-concept design enhances natural light and promotes a welcoming atmosphere throughout the home. Conveniently located near shopping, dining, schools, parks, and major roadways, this home offers easy access to everything Central Florida has to give.

Whether you’re looking for your first home, need additional space for a growing household, or simply want a well-designed floor plan with room to spread out, this home checks all the boxes. Don’t miss the opportunity to own this spacious and thoughtfully designed home that combines comfort, style, and functionality in one exceptional package. 4 Bedrooms | 2.5 Bathrooms | Loft | Covered Lanai | 2-Car Garage | 2,405 Sq.

Ft.

Description provided by ADAMS HOMES REALTY, INC. and reproduced from the MLS; not independently verified.

Property facts & sources

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

List price$442,900
Bed / bath4 / 2.5
Living area2,405 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
MLS #O6419645
Listing statusActive

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyOsceola
Area listings28 active · 8 under contract
Estimated first-year tax~$4,650/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$184
Estimated monthly payment$2,798
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$412,167

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of ADAMS HOMES REALTY, INC. · Listing agent: William Medina · 407-523-1030Provided 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.
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$413,660the mess$529,100

Actual list price: $442,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 28% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • 29 active listings competing, 8 under contract
  • 3.7 months of supply
  • 89 closed here in the last 12 months

For reference, this home is listed at $442,900 ($184/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 2,405 sq ft × $172–$220/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.

Keep looking

Similar homes for sale near HARMONY CENTRAL PH 2

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $442,900Momentum Realty · on market 0 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$4,650/yr

A rough first-year estimate only, applying a typical Osceola rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$1k–$2k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in HARMONY CENTRAL PH 2

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HARMONY CENTRAL PH 2 neighborhood guide for more.

Comparable sales found
3

Recent nearby closings in the data set.

Community median sale price
$412,167

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$196

Canonical 12-month median $/sq ft. Reference only.

Go deeper on HARMONY CENTRAL PH 2

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

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.

School zoningThis address is in the Osceola County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

Community 12-month median: $196/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$2,030 – $2,953/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$831 – +$0At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: July 23, 2026)
Community market statsrealMLS closed sales, as of July 15, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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.

Ready when you are

See 3626 BRIARLYNN WAY in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

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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 a typical county millage rate to the list price 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 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.

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.