7636 Bent Tree Loop, St Cloud, FL 34773
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 7636 Bent Tree Loop in Harmony Central Ph 2, St Cloud is listed at $378,900 (1,970 sq ft, about $192 per sq ft). That sits within a few percent of Harmony Central Ph 2's median closed sale of $412,000 over the last 12 months (69 recorded sales). It has been 152 days on market, longer than the community's typical 96 days to contract. Listing facts: new construction, HOA dues of $76/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- New construction — built 2026
- 1,970 sq ft of living area
- 2-car garage
- Listed at $378,900 — recent neighborhood median sale price ~$412,000 (nearby sales; deemed reliable, not an appraisal)
- 152 days on market
- HOA $76/mo (per listing)
About this home
Enjoy this amazing quick move in ready, brand new 3-bedroom, 2-bath home designed with comfort, functionality, and modern living in mind. High ceilings combined with an open concept create the perfect atmosphere for any occasion, maximizing your long kitchen island. With green conservation views this home brings Harmony all around!
With all closing costs paid with our preferred lenders, this will save you thousands, all of these incredible benefits will make you want to call this home! And that's not all, this community offers no CDDs and a low HOA with access to a beautiful community resort style pool and doggie park. Don't miss the opportunity to own your own piece of Harmony.
The spacious primary suite is a private retreat, showcasing vaulted ceilings and serene conservation views, providing a peaceful natural backdrop and added privacy. 2 additional bedrooms are generously sized and include ample closet space. The kitchen is designed for gathering and convenience, featuring a large center island ideal for meal prep and casual dining.
A separate formal dining room adds flexibility and can easily serve as a home office or flex space. The open concept living area enhances the home’s spacious atmosphere, making it ideal for hosting guests. Additional highlights include a 1-year builder warranty, 2-year plumbing and electrical warranty, and a 10-year structural warranty for added peace of mind.
Located in the highly desirable Harmony Central community, residents enjoy NO CDD fees, a low HOA, and convenient access to nearby shopping, dining, and local amenities. Builder incentives and closing cost assistance may be available when using the preferred lender. Buyer to verify all incentives and financing terms directly with the builder and lender.
All 18 photos
Description provided by ADAMS HOMES REALTY, 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 $2,023/mo 80%
- Taxes $332/mo 13%
- Insurance $100/mo 4%
- HOA $76/mo 3%
$2,530/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
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 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 vs. size in Harmony Central Harmony
Each dot is a closed sale since 2023 (234 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, 2023–2026. This home lists at $192/sq ft.
Median sale price by year
12-month median closed price, 2023–2026.
This home’s history
- 2026BuiltPer public record
- About May 2026Listed (per MLS)MLS reports 152 cumulative days on market as of October 1, 2026
- Jul 10, 2026First seen on movewithmomentum.comObserved at $423,900
- Sep 17, 2026Price cut$403,900 (-$20,000, -4.7%)
- Oct 1, 2026Price cut$378,900 (-$25,000, -6.2%)
- 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
6 closed sales in HARMONY CENTRAL PH 2 in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $412,000 ($195/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Stronger local evidence — 6 comparable closed sales in HARMONY CENTRAL PH 2, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $378,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 8% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — this home carries HOA dues of $76/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 152 days on market vs. a 96-day community median
- 29 active listings competing, 5 under contract
- ≈4.2 months of supply
- 12 closed here in the last 12 months
For reference, this home is listed at $378,900 ($192/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,970 sq ft × $185–$200/sq ft (interquartile band of 6 comparable closed sales in HARMONY CENTRAL PH 2, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Property Score
63/100 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.
Coverage: 6 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. 4.2 months of supply in the surrounding market and 152 days on market for this home, against a 96-day area median.Days on market:this home 152Area median: 96 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 2023 through 2026. As of September 20, 2026.
🟡 Asking $192 per square foot, about in line with the community’s $195 median. Harmony Central Harmony’s 12-month median sold price per square foot is $195. Median sold price per square foot is up 0.8% year over year. Confidence: Very High · 69 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.
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 97.7% 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 26 active listings in Harmony Central Harmony, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by ADAMS HOMES REALTY, INC · MLS # O6402714
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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.
Newest listings in HARMONY CENTRAL PH 2
- 3620 Briarlynne Way · $407,900 · 4 bd / 2.5 ba · listed September 27, 2026 (courtesy of ADAMS HOMES REALTY, INC.)
- 7714 Bent Tree Loop · $387,900 · 4 bd / 2.0 ba · listed September 27, 2026 (courtesy of ADAMS HOMES REALTY, INC.)
- 3666 Sagefield Drive · $440,000 · 4 bd / 2.5 ba · listed September 10, 2026 (courtesy of LA ROSA REALTY LLC)
- 3852 Sagefield Drive · $416,000 · 4 bd / 3.5 ba · listed September 10, 2026 (courtesy of EXP REALTY LLC)
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More on HARMONY CENTRAL PH 2
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
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.
View →Buyer research checklist
Items worth confirming for 7636 Bent Tree Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.
- New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
- HOA dues are listed at $76/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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.
- Listed living area is 1,970 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 $3,978/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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, refreshed hourly (last: October 1, 2026) |
| Comparable sales | Stellar MLS closed sales in HARMONY CENTRAL PH 2, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; 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 7636 Bent Tree Loop and when was it built?
Per the listing record, 7636 Bent Tree Loop was built in 2026 and has 1,970 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 7636 Bent Tree Loop in?
7636 Bent Tree Loop is in Harmony Central Ph 2 in St Cloud, Osceola County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 7636 Bent Tree Loop have an HOA, and how much are the dues?
The listing reports HOA dues of $76 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 7636 Bent Tree Loop differ from the current owner's?
The estimate on this page (about $3,978 per year) assumes reassessment at the list price less the homestead exemption. 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.
Is 7636 Bent Tree Loop in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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.
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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.
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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.