Harmony Isle Townhomes
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 1 closed sale in Harmony Isle Townhomes in St Cloud, FL, the most recent in December 2025. Across St Cloud as a whole, 2,213 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 1,089 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,320 ($5,720 with the full homestead exemption).
Part of the Harmony master-planned community in St. Cloud, FL — see all Harmony homes for sale (155 listings across 45 villages and sections in the MLS).

The current MLS feed for Harmony Isle Townhomes does not carry the listing volume or amenity data needed to draw a pricing pattern, so we are not going to manufacture one. What we can say is that townhome pricing in this format is typically set by unit condition, HOA structure, and lot placement rather than broad neighborhood-wide trends, and that holds here until more listings populate the record.
For a buyer or seller today, that means going in with eyes open: pull comparable closed sales directly, confirm HOA obligations in writing, and treat any pricing conversation as unit-specific rather than community-wide. Thin data cuts both ways — it can hide a fair deal or an overpriced one just as easily.
Nearby homes for sale
No active listings inside Harmony Isle TownhomesHomes for Sale in St. Cloud, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Harmony Isle Townhomes sits in St Cloud, Osceola County, and current MLS records show no community amenities listed against active inventory — worth confirming directly with the HOA rather than assuming a feature set.
County records show 16 qualified sales in Harmony Isle Townhomes across 2024–2025 (13 in 2024, 3 in 2025), median $367,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Harmony Isle Townhomes is best for.
Best for
- A buyer targeting a lower-maintenance, attached-home purchase in St Cloud
- A buyer comfortable doing direct HOA and amenity due diligence rather than relying on listing marketing
- An investor evaluating unit-by-unit condition and fees rather than a neighborhood-wide thesis
Probably not for
- A buyer who needs a confirmed, documented amenity package before writing an offer
- A buyer who wants a large body of recent comparable sales to lean on before pricing a purchase
- A seller expecting community-level brand recognition to help market the listing
The market around Harmony Isle Townhomes
Harmony Isle Townhomes is too small for its own price trend, so here is the market around it.
In ZIP 34773, 187 homes are on the market and 27% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
In ZIP 34773 (St Cloud), 677 homes closed in the last 12 months at a median of $412K ($213/sq ft), up 1.2% year over year, with a median 54 days on market. Right now 120 active and 41 pending listings put supply at about 3.3 months — a balanced market. See the live ZIP 34773 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Harmony Isle Townhomes specifically. Momentum Research analysis of MLS records.
The Harmony Isle Townhomes buying strategy.
If we were buying in Harmony Isle Townhomes 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 Isle Townhomes.
A Townhome Community with a Thin Public Record
Townhome communities in St Cloud generally compete on lower-maintenance ownership and proximity to the rest of Osceola County rather than on resort-style amenity packages, and Harmony Isle's MLS footprint fits that pattern so far — no clubhouse, pool, or gate has been logged against current listings. That does not mean nothing exists on-site; it means the record has not been populated yet, and a buyer should verify directly rather than assume.
Because the feed is light, this is a community where individual unit condition, HOA fee structure, and any deed restrictions will do more to explain what you are paying than any neighborhood-level story will. Treat every listing here as its own case file.
The location and the amenities are priced into every listing in Harmony Isle Townhomes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When the public record is this thin, the work shifts to direct verification — pulling HOA documents, confirming what amenities actually exist versus what is marketed, and building a comparable set from individual closed sales rather than a neighborhood average. That is the legwork we do before you write an offer or set a list price.
Harmony Isle Townhomes in 15 seconds.
What it really costs to own in Harmony Isle TownhomesHomes for Sale
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 $195/month across 32 MLS listings (most billed monthly; 2026-10-15). 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. |
Email me new listings in Harmony Isle TownhomesHomes for Sale
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 Isle TownhomesHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harmony Isle TownhomesHomes for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $195/month (about $2,340/yr) · median of 32 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $195 per month ($2,340 a year) — the median AssociationFee across 32 MLS records, normalised to a monthly figure; most are billed monthly. 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, 2026-10.
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 Isle Townhomes 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 Isle Townhomes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harmony Isle Townhomes, 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 Isle Townhomes home worth?
Get a no-obligation home value based on real comparable sales in Harmony Isle Townhomes, 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 Isle Townhomes on the map →
Should you buy in Harmony Isle Townhomes?
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: September 19, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2025 (1 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.
Recent Developments in Harmony Isle Townhomes
Development, infrastructure, retail, and school activity affecting Harmony Isle Townhomes, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Infrastructure
CFX holds public meetings on 14-mile toll road through part of Split Oak Forest
The Central Florida Expressway Authority held public meetings on Sept. 16 and 17 for a 14-mile road from State Road 417 near Boggy Creek Road in Orange County to Nova Road in Osceola County. CFX says portions could begin construction next year and that the road would ease traffic on Narcoossee Road. The agency faces a legal challenge from Orange County and is pursuing an eminent domain case.
What it may mean for the marketIf built, the road would add a new east-west route between Lake Nona and St. Cloud, changing commute options and access to east Orange and Osceola land. The project is about 15 miles northeast of Harmony Isle Townhomes, elsewhere in Osceola County.
Source: Spectrum News 13 - August 2026Civic
St. Cloud council approves $6.7 million downtown apartment and parking garage agreement
The City Council unanimously approved an agreement with Atlantic Housing Partners for apartments and a parking garage next to City Hall. The Community Redevelopment Agency contributes $6.25 million and the city $460,000. The garage would hold 450 to 500 spaces, with 250 reserved for apartment residents.
What it may mean for the marketNew downtown rental housing and public parking would add residents and parking capacity to the St. Cloud core. The site is about 6 miles east of Harmony Isle Townhomes.
Source: Spectrum News 13 - March 2026Development
Orlando approves the 380-acre Dowden Central Community Development District in Lake Nona
Orlando approved the Dowden Central Community Development District, a roughly 380-acre district in the Lake Nona area of southeast Orlando, in March 2026. The district provides the framework to build roads, drainage, utilities, and parks for future development phases.
What it may mean for the marketA new community development district lays the groundwork for large-scale growth in the Lake Nona area, a step that typically precedes new housing and commercial activity nearby. The site is about 11 miles northeast of Harmony Isle Townhomes.
Source: ClickOrlando
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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Common questions about Harmony Isle Townhomes
Where is Harmony Isle Townhomes?
Harmony Isle Townhomes is a community in St Cloud, Osceola County, Florida, ZIP 34773.
Are there homes for sale in Harmony Isle Townhomes right now?
No active listings inside Harmony Isle Townhomes at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Harmony Isle Townhomes have an HOA or CDD?
No HOA is on record for Harmony Isle Townhomes in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
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Nearby Communities
Explore more neighborhoods near Harmony Isle Townhomes with Momentum Realty’s local guides.
Harmony Isle Townhomes Market Scorecard
Harmony Isle Townhomes is currently a no active listings market. Limited supply, a median asking price of n/a.
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: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.






