Harmony Central Harmony
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Harmony Central Harmony in St Cloud, FL has 27 homes for sale and 5 pending, asking from $355,000 to $449,000 (median $397,707). Over the 12 months ending 2026-09-12, 71 recorded sales closed at a median of $412,167, $195 per square foot, a median 96 days on market, sellers accepting 98% of original asking (+1% versus the prior year). Homes listed or recently sold were built 2023 - 2026 with 36 new construction; 43 of 44 report an HOA (median $69/mo); none of the 42 geocoded homes sit in a FEMA special flood hazard zone (median elevation 71 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,280 ($5,680 with the full homestead exemption).
Part of the Harmony master-planned community in St. Cloud, FL — see all Harmony homes for sale (147 listings across 42 villages and sections in the MLS).
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 · 104 daysTop listing
Active · 57 days
Active · 1 days
Active · 177 days
Active · 89 days
Active · 126 days
Active · 1 days
Active · 181 days
Active · 87 days
Active · 122 days
Active · 77 days
Active · 202 days
Active · 228 days
Active · 71 daysActive and pending Harmony Central Harmony listings as of 2026-09-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2023 through 2026. Tap any home to ask about it.
Harmony Central Harmony right now
🟡 Balanced market. 4.5 months of supply and 12% of the inventory already under contract put buyers and sellers on roughly even footing.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 September 12, 2026. Confidence: Very High (32 active and pending listings, 71 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($412K) is up 0.8% from the prior 12 months ($409K).Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 12. Confidence: Very High (71 and 77 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 15, 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 September 12, 2026): the median sale price is about $412K ($195 per sq ft over the trailing 12 months of closed sales), a median 96 days on market for closed sales, and 4.5 months of supply, a balanced market. The trailing-12-month median is up 1% from the prior 12 months, computed from record-level Stellar MLS closed sales (71 closings in the current window).
In ZIP 34769 (ST CLOUD), 636 homes closed in the last 12 months at a median of $412K ($196/sq ft), down 1.1% year over year, with a median 58 days on market. Right now 143 active and 49 pending listings put supply at about 4.0 months - a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
Flood zones in Harmony Central Harmony: of 35 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).
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
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Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($412K) IS the median in the snapshot above, and the move from 2025 ($409K) IS the +0.8% one-year change.
Windows contain 20 to 77 sales each (71 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period 2023 through 2026. Deemed reliable but not guaranteed.
HARMONY CENTRAL Market Scorecard
HARMONY CENTRAL is currently a balanced market. About 4.3 months of supply, a median asking price of $397,707, and homes go under contract in about 104 days.
Typical home value in the 34773 ZIP is $383,619, about 19.2% above 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.
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 September 2026 through September 2026. Deemed reliable but not guaranteed.
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, tiles © CARTO.
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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 closer look at the Harmony Central Harmony market
At a median of $195 per square foot, Harmony Central Harmony prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 4.5 months of supply, a balanced market and the trailing-12-month median up 1% year over year. Homes that do trade take a median 96 days on market, useful leverage on any listing that has lingered.
The housing stock is 187 homes built between 2023 and 2024, and 22% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
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 4 factors (5.6). Basis: Recent Direction +0.8% year-over-year; Liquidity & Demand 4.5 months of supply; Owner Commitment 22% owner-occupied; Pricing Power 97.7% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $69/month (about $828/yr) · median of 119 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $69 per month ($828 a year) - the median AssociationFee across 119 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
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. 4 on record.
- 3626 Briarlynn Way · off market
- 3768 Sagefield Drive · off market
- 4402 Sagefield Drive · off market
- 7520 Bent Tree Loop · off market
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?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 34769/34771/34773)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2023 (234 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.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Harmony Central Harmony fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Harmony Central Harmony with Momentum Realty’s local guides.