Harmony Central Harmony
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Harmony Central Harmony in St Cloud, FL has 21 homes for sale and 12 pending, asking from $335,000 to $449,000 (median $370,900). Over the 12 months ending 2026-11-13, 10 recorded sales closed at a median of $411,450, $189 per square foot, a median 206 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 2023 - 2026 with 39 new construction; 44 of 45 report an HOA (median $76/mo); none of the 45 geocoded homes sit in a FEMA special flood hazard zone (median elevation 72 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,270 ($5,670 with the full homestead exemption).
Part of the Harmony master-planned community in St. Cloud, FL — see all Harmony homes for sale (154 listings across 45 villages and sections in the MLS).
Last 30 days in Harmony Central Harmony: 7 new listings (median asking $378,900), 12 under contract right now, 5 closed sales (median $391,400). As of November 14, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Harmony Central Harmony
Live MLS inventory for Harmony Central Harmony. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 241 daysTop listing
Active · 75 days
Active · 140 days
Active · 47 days
Active · 24 days
Active · 47 days
Active · 100 days
Active · 25 days
Active · 24 days
Active · 25 days
Active · 237 days
Active · 25 days
Active · 25 days
Active · 145 daysActive and pending Harmony Central Harmony listings as of 2026-11-13, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026. Tap any home to ask about it.
Harmony Central Harmony is new construction, plain and simple. Everything here was built in 2023 or 2024, with a median build year of 2024, so the price is driven by condition, square footage, and finish level rather than age or renovation history. At a median of $412,000 and about $195 per square foot on a median of roughly 2,300 living square feet, you are paying for current product, not a story. With homes this uniform in vintage, the spread you see between listings tends to track plan size, lot, and upgrades more than anything else.
The market posture is balanced, with 4.2 months of supply and 26 active listings against a window of 69 closings. Year-over-year, prices are essentially flat at 0.8 percent. Median days on market sits at 96 - a long runway - which tells sellers that patience and sharp pricing matter here, and tells buyers they have room to negotiate and inspect rather than chase. Neither side owns this market right now.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Harmony Central Harmony right now
🟢 Buyer-leaning market. 21.0 months of supply and 38% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of November 13, 2026. Confidence: Very High (34 active and pending listings, 10 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Harmony Central Harmony market snapshot (as of November 13, 2026): the median sale price is about $411K ($189 per sq ft over the trailing 12 months of closed sales), a median 207 days on market for closed sales, and 21.0 months of supply, a buyer-leaning market.
In ZIP 34773 (St Cloud), 174 homes closed in the last 12 months at a median of $411K ($196/sq ft), down 0.1% year over year, with a median 78 days on market. Right now 47 active and 24 pending listings put supply at about 3.2 months - a balanced market. See the live ZIP 34773 housing market and the Osceola County market.
County records show 114 qualified sales in Harmony Central Harmony across 2024 - 2025 (106 in 2024, 8 in 2025), median $382,700 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Harmony Central Harmony: of 30 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
Harmony Central Harmony is a community of 187 homes in St Cloud, Osceola County, built between 2023 and 2024 (median 2024.0), with a median living area of about 2,300 square feet. 22% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
This is an almost entirely new-build community of 187 homes in St Cloud, Osceola County, where the inventory is young, amenity-rich, and deed-restricted. The low homestead share of about 22 percent is worth noting: a meaningful portion of these homes are not owner-occupied primary residences.
The setting & the homes.
Aerial and on-site photos of Harmony Central Harmony. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Harmony Central HarmonyHarmony Central HarmonyHarmony Central HarmonyHarmony Central HarmonyHarmony Central Harmony
Harmony Central HarmonyHarmony Central HarmonyHarmony Central HarmonyPhotos from Stellar MLS listings in Harmony Central Harmony; content deemed reliable but not guaranteed.
Who Harmony Central Harmony is best for.
Best for
- Buying a turnkey new-construction home and wanting minimal near-term repair exposure
- Buyers who value pool, clubhouse, dog park, and park amenities within a deed-restricted layout
- Buying with time and leverage to negotiate in a balanced, slow-moving market
Probably not for
- Needing to resell quickly, given the 96-day median days on market and flat pricing
- Wanting a resale home with character, mature landscaping, or renovation upside
- Preferring a fully owner-occupied community without deed restrictions or HOA maintenance obligations
Harmony Central Harmony on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Harmony Central Harmony
- Pool · reported on 27 of 27 listings
- Dog Park · reported on 16 of 27 listings
- Clubhouse · reported on 8 of 27 listings
- Community Mailbox · reported on 3 of 27 listings
- Playground · reported on 2 of 27 listings
- Park · reported on 1 of 27 listings
- Deed Restrictions · reported on 1 of 27 listings
- Maintenance · reported on 1 of 27 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Harmony Community School (K-5) · Elementary
- Harmony Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Harmony Central Harmony listings and can change; always confirm with Osceola County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Harmony Central Harmony address.
Shop the zone: Homes zoned for Harmony High High School
The Harmony Central Harmony buying strategy.
If we were buying in Harmony Central Harmony today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Harmony Central Harmony.
A new-build community still finding its footing
The amenity package is the kind you expect from a planned community: pool, clubhouse, dog park, playground, park, and community mailboxes, all under deed restrictions with a maintenance component. That structure keeps the streetscape consistent, which is part of what you are buying. Verify current amenities, access, and the maintenance scope directly with the HOA before you write an offer - reported features across listings are a starting point, not a contract.
The 96-day median days on market is the number to sit with. In a balanced band with flat year-over-year pricing, that pace suggests buyers are taking their time and sellers who overprice are sitting. With a homestead share near 22 percent, some of the inventory and turnover reflects owners who are not living here full time, which can mean more listings coming and going than a settled, owner-occupied neighborhood would show.
The location and the amenities are priced into every listing in Harmony Central Harmony. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Harmony Central Harmony buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (3.4). Basis: Liquidity & Demand 21.0 months of supply; Owner Commitment 22% owner-occupied; Pricing Power 96.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
New construction looks uniform on paper, but plan selection, lot position, upgrade value, and builder transition items separate a good buy from an overpay. With a 96-day median market time and flat pricing, there is no reward for rushing - we help you read which listings are priced to move and which are testing the market, and we hold sellers to realistic numbers so a home does not go stale.
Harmony Central Harmony in 15 seconds.
Tools for a Harmony Central Harmony buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Harmony Central Harmony sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harmony Central Harmony, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harmony Central Harmony home worth?
Get a no-obligation home value based on real comparable sales in Harmony Central Harmony, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Harmony Central Harmony on the map →
Recently off market in Harmony Central Harmony
Homes in Harmony Central Harmony that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 13 on record.
- 3626 Briarlynn Way · off market
- 3666 Sagefield Drive · off market
- 3675 Sagefield Drive · off market
- 3768 Sagefield Drive · off market
- 4002 Sagefield Dr. · off market
- 4026 Sagefield Drive · off market
- 4402 Sagefield Drive · off market
- 7520 Bent Tree Loop · off market
| Location | St Cloud, Osceola County, FL · ZIP 34773 |
|---|---|
| Homes in the community | 187 (FL DOR 2025 assessment roll) |
| Years built | 2023–2024 (median 2024.0) |
| Typical living area | 2,300 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Pool, Dog Park, Community Mailbox, Clubhouse, Playground, Trail(s) |
| Sale prices, last 12 months | $411,450 median across 10 closed sales · $189 per sq ft |
| Days on market (closed sales) | 206 median |
| For sale right now | 21 active, 13 pending · median asking $370,900 · 21.0 months of supply |
| Owner-occupied (homestead) share | 22% |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harmony Central Harmony key facts,” movewithmomentum.com/neighborhoods/harmony-central-harmony, data as of November 13, 2026.
Housing distress & ownership in Harmony Central Harmony, St Cloud
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period November 2026 through November 2026. Deemed reliable but not guaranteed.
Just listed in Harmony Central Harmony
The newest homes for sale in Harmony Central Harmony right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 7696 Bent Tree Loop $378,900 · 3 bd · 2 ba · 1,970 sq ft · listed Oct 21, 2026 Courtesy of ADAMS HOMES REALTY, INC.
- 7732 Bent Tree Loop $392,900 · 4 bd · 2 ba · 1,820 sq ft · listed Oct 21, 2026 Courtesy of ADAMS HOMES REALTY, INC.
- 7624 Bent Tree Loop $366,900 · 3 bd · 2 ba · 1,780 sq ft · listed Oct 20, 2026 Courtesy of ADAMS HOMES REALTY, INC.
- 7672 Bent Tree Loop $367,900 · 4 bd · 2 ba · 1,820 sq ft · listed Oct 20, 2026 Courtesy of ADAMS HOMES REALTY, INC.
- 7678 Bent Tree Loop $378,900 · 3 bd · 2 ba · 1,970 sq ft · listed Oct 20, 2026 Courtesy of ADAMS HOMES REALTY, INC.
- 3614 Briarlynne Way $349,900 · 3 bd · 2 ba · 1,415 sq ft · listed Oct 20, 2026 Courtesy of ADAMS HOMES REALTY, INC.
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Harmony Central Harmony Right Now (34)
All 34 active and pending Harmony Central Harmony listings with a detail page, newest first, refreshed twice a day from the MLS.
- 7696 Bent Tree Loop · $378,900 · 3 bd / 2 ba · listed Oct 20, 2026 · listed by Adams Homes Realty, Inc.
- 7732 Bent Tree Loop · $392,900 · 4 bd / 2 ba · listed Oct 20, 2026 · listed by Adams Homes Realty, Inc.
- 7702 Bent Tree Loop · $387,900 · 4 bd / 3 ba · pending · listed Oct 20, 2026 · listed by Adams Homes Realty, Inc.
- 7624 Bent Tree Loop · $366,900 · 3 bd / 2 ba · listed Oct 19, 2026 · listed by Adams Homes Realty, Inc.
- 7672 Bent Tree Loop · $367,900 · 4 bd / 2 ba · listed Oct 19, 2026 · listed by Adams Homes Realty, Inc.
- 7678 Bent Tree Loop · $378,900 · 3 bd / 2 ba · listed Oct 19, 2026 · listed by Adams Homes Realty, Inc.
- 3614 Briarlynne Way · $349,900 · 3 bd / 2 ba · listed Oct 19, 2026 · listed by Adams Homes Realty, Inc.
- 7708 Bent Tree Loop · $381,900 · 3 bd / 2 ba · listed Oct 19, 2026 · listed by Adams Homes Realty, Inc.
- 7660 Bent Tree Loop · $387,900 · 4 bd / 3 ba · pending · listed Oct 19, 2026 · listed by Adams Homes Realty, Inc.
- 3620 Briarlynne Way · $407,900 · 4 bd / 2.5 ba · listed Sep 27, 2026 · listed by Adams Homes Realty, Inc.
- 7714 Bent Tree Loop · $387,900 · 4 bd / 2 ba · listed Sep 27, 2026 · listed by Adams Homes Realty, Inc.
- 3656 Briarlynne Way · $442,900 · 4 bd / 2.5 ba · pending · listed Sep 11, 2026 · listed by Adams Homes Realty, Inc
- 3662 Briarlynne Way · $432,900 · 4 bd / 2.5 ba · pending · listed Sep 11, 2026 · listed by Adams Homes Realty, Inc
- 3852 Sagefield Drive · $416,000 · 4 bd / 3.5 ba · listed Sep 10, 2026 · listed by Exp Realty Llc
- 3768 Sagefield Drive · $335,000 · 3 bd / 2 ba · listed Aug 24, 2026 · listed by Exp Realty Llc
- 3963 Sagefield Drive · $385,000 · 3 bd / 2 ba · listed Aug 20, 2026 · listed by Venosa Realty Llc
- 3795 Sagefield Drive · $415,000 · 4 bd / 2.5 ba · listed Aug 15, 2026 · listed by Sheldon Professionals Inc
- 7642 Bent Tree Loop · $361,900 · 3 bd / 2 ba · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc
- 7563 Bent Tree Loop · $336,900 · 3 bd / 2 ba · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc.
- 7569 Bent Tree Loop · $344,900 · 3 bd / 2 ba · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc
- 7606 Bent Tree Loop · $355,000 · 3 bd / 2 ba · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc.
- 4057 Sagefield Drive · $349,990 · 3 bd / 2 ba · listed Aug 15, 2026 · listed by Maktub Realty
- 7625 Bent Tree Loop · $347,900 · 3 bd / 2 ba · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc
- 7618 Bent Tree Loop · $370,900 · 3 bd / 2 ba · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc.
- 3828 Sagefield Drive · $449,000 · 4 bd / 3.5 ba · listed Aug 15, 2026 · listed by Orlando Regional Property Management
- 4014 Sagefield Drive · $364,900 · 4 bd / 2.5 ba · pending · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc
- 3609 Briarlynne Way · $341,900 · 3 bd / 2 ba · pending · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc
- 7631 Bent Tree Loop · $341,900 · 3 bd / 2 ba · pending · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc.
- 7636 Bent Tree Loop · $378,900 · 3 bd / 2 ba · pending · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc
- 7528 Bent Tree Loop · $344,900 · 3 bd / 2 ba · pending · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc
- 3645 Briarlynne Way · $387,900 · 4 bd / 2.5 ba · pending · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc.
- 7612 Bent Tree Loop · $362,900 · 4 bd / 2 ba · pending · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc.
- 3626 Briarlynne Way · $417,900 · 4 bd / 2.5 ba · pending · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc.
- 7630 Bent Tree Loop · $362,900 · 4 bd / 2 ba · pending · listed Aug 15, 2026 · listed by Adams Homes Realty, Inc.
Recently sold in Harmony Central Harmony
- 7636 Bent Tree Loop · sold $391,400
- 7592 Bent Tree Loop · sold $359,900
- 7575 Bent Tree Loop · sold $390,000
- 7576 Bent Tree Loop · sold $436,900
- 4002 Sagefield Dr. · sold $415,000
- 4026 Sagefield Drive · sold $415,000
- 7520 Bent Tree Loop · sold $415,000
- 7560 Bent Tree Loop · sold $407,900
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More St Cloud home searches
- All homes for sale in St Cloud, FL
- Homes for sale in Osceola County, FL
- Gated communities in St Cloud
- St Cloud home values: what is my house worth?
St Cloud guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Osceola County)
- Homestead exemption (Osceola County)
- New construction
- New construction (Osceola County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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What it really costs to own in Harmony Central Harmony
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $907/year (about $76/month) across 52 MLS listings (most billed annually; 2026-11-14). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| 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 depend on roof age, wind mitigation and construction. Flood: of 30 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2026 across 34 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Harmony Central Harmony
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Harmony Central Harmony
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harmony Central Harmony will answer, and the answer is published on this page for the next buyer.
36% of homes for sale in Harmony Central Harmony are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-14).
HARMONY CENTRAL Market Scorecard
HARMONY CENTRAL is currently a strong buyer's market. About 21.0 months of supply, a median asking price of $370,900, and homes go under contract in about 87 days.
Typical home value in the 34773 ZIP is $379,252, right around the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
What is the median home price in Harmony Central Harmony?
How long do homes in Harmony Central Harmony take to sell?
Is Harmony Central Harmony a buyer's or seller's market right now?
How many homes are in Harmony Central Harmony?
What share of Harmony Central Harmony is owner-occupied?
When were the homes in Harmony Central Harmony built?
Who is the best real estate agent for Harmony Central Harmony?
How do I find a top St Cloud real estate agent who knows Harmony Central Harmony?
Can Momentum Realty connect me with an agent for Harmony Central Harmony?
Where is Harmony Central Harmony, and what county is it in?
Is Harmony Central Harmony in a flood zone?
Is Harmony Central Harmony a good place to live?
Should you buy in Harmony Central Harmony?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 13, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending November 13, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 34773)) |
| Under-contract shares | Stellar MLS records, as of 2026-11-13 |
| Historical depth | Closed-sale records back to 2026 (10 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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See how Harmony Central Harmony fits the bigger picture — live prices, inventory, and Momentum Scores: