Harmony Nbhd O 1 Harmony
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Harmony Nbhd O 1 Harmony in St Cloud, FL has 1 home for sale. Over the 12 months ending 2026-09-12, 4 recorded sales closed at a median of $387,250, $188 per square foot, a median 47 days on market, sellers accepting 99% of original asking (-14% versus the prior year). Homes listed or recently sold were built 2017 - 2019; 5 of 5 report an HOA (median $9/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 80 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $5,900 ($5,300 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).
Harmony Nbhd O 1 Harmony right now
🟡 Balanced market. 3.0 months of supply and 0% 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: Low (1 active and pending listings, 4 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($387K) is down 13.9% from the prior 12 months ($450K). With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 12. Confidence: Low (4 and 3 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 Nbhd O 1 Harmony market snapshot (as of September 12, 2026): the median sale price is about $387K ($188 per sq ft over the trailing 12 months of closed sales), a median 47 days on market for closed sales, and 3.0 months of supply, a balanced market. The trailing-12-month median is down 14% from the prior 12 months, computed from record-level Stellar MLS closed sales (4 closings in the current window).
In ZIP 34773 (ST CLOUD), 677 homes closed in the last 12 months at a median of $414K ($213/sq ft), up 1.0% year over year, with a median 55 days on market. Right now 117 active and 39 pending listings put supply at about 3.2 months - a balanced market. See the live ZIP 34773 housing market and the Osceola County market.
Harmony Nbhd O 1 Harmony is a community of 64 homes in St Cloud, Osceola County, built between 2017 and 2020 (median 2018.0), with a median living area of about 2,656 square feet. 84% 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 Nbhd O 1 Harmony. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Harmony Nbhd O 1 Harmony
Harmony Nbhd O 1 Harmony
Harmony Nbhd O 1 Harmony
Harmony Nbhd O 1 Harmony
Harmony Nbhd O 1 HarmonyPhotos from Stellar MLS listings in Harmony Nbhd O 1 Harmony; content deemed reliable but not guaranteed.
Housing distress & ownership in HARMONY NBHD O-1, HARMONY
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.
Homes For Sale Right Now in Harmony Nbhd O 1 Harmony
Live MLS inventory for Harmony Nbhd O 1 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 and pending Harmony Nbhd O 1 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 Nbhd O 1 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 Nbhd O 1 Harmony
- Fitness Center · reported on 4 of 5 listings
- Park · reported on 4 of 5 listings
- Playground · reported on 4 of 5 listings
- Pool · reported on 4 of 5 listings
- Deed Restrictions · reported on 4 of 5 listings
- Golf Carts OK · reported on 4 of 5 listings
- Golf · reported on 4 of 5 listings
- Dog Park · reported on 3 of 5 listings
- Restaurant · reported on 3 of 5 listings
- Recreation Facilities · reported on 2 of 5 listings
- Tennis Court(s) · reported on 2 of 5 listings
- Clubhouse · reported on 2 of 5 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 Nbhd O 1 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 Nbhd O 1 Harmony address.
Shop the zone: Homes zoned for Harmony High High School
The Harmony Nbhd O 1 Harmony buying strategy.
If we were buying in Harmony Nbhd O 1 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 Nbhd O 1 Harmony.
A closer look at the Harmony Nbhd O 1 Harmony market
At a median of $188 per square foot, Harmony Nbhd O 1 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 3.0 months of supply, a balanced market and the trailing-12-month median down 14% year over year. Homes that do trade take a median 47 days on market, useful leverage on any listing that has lingered.
The housing stock is 64 homes built between 2017 and 2020, and 84% 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 Nbhd O 1 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 Nbhd O 1 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 (6.9). Basis: Recent Direction -13.9% year-over-year; Liquidity & Demand 3.0 months of supply; Owner Commitment 84% owner-occupied; Pricing Power 99.2% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $9/month · median of 15 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $9 per month - the median AssociationFee across 15 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 Nbhd O 1 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 Nbhd O 1 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 Nbhd O 1 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 Nbhd O 1 Harmony home worth?
Get a no-obligation home value based on real comparable sales in Harmony Nbhd O 1 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 Nbhd O 1 Harmony on the map →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
HARMONY NBHD O-1 Market Scorecard
HARMONY NBHD O-1 is currently a seller's market. About 3.0 months of supply, a median asking price of $575,000, and homes go under contract in about 137 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.
Frequently Asked Questions
What is the median home price in Harmony Nbhd O 1 Harmony?
How long do homes in Harmony Nbhd O 1 Harmony take to sell?
Is Harmony Nbhd O 1 Harmony a buyer's or seller's market right now?
How many homes are in Harmony Nbhd O 1 Harmony?
What share of Harmony Nbhd O 1 Harmony is owner-occupied?
When were the homes in Harmony Nbhd O 1 Harmony built?
Who is the best real estate agent for Harmony Nbhd O 1 Harmony?
How do I find a top St Cloud real estate agent who knows Harmony Nbhd O 1 Harmony?
Can Momentum Realty connect me with an agent for Harmony Nbhd O 1 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 (2 streets, ZIP 34773)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2023 (9 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?
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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 Nbhd O 1 Harmony fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Harmony Nbhd O 1 Harmony with Momentum Realty’s local guides.