Harmony Nbrhd J
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Harmony Nbrhd J in St Cloud, FL has 1 home for sale. As of September 2026, the MLS records 20 closed sales in Harmony Nbrhd J in St Cloud, FL since 2021, the most recent in September 2024. 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 588 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 (158 listings across 44 villages and sections in the MLS).
| Location | ST CLOUD, Osceola County, FL · ZIP 34773 |
|---|---|
| Homes in the community | 85 (FL DOR 2025 assessment roll) |
| Years built | 2019–2024 (median 2022) |
| Typical living area | 2,183 sq ft (median) |
| Amenities listed by sellers | Clubhouse, Deed Restrictions, Dog Park, Fitness Center, Gated Community, Gated Community - No Guard |
| For sale right now | 1 active, 0 pending · median asking $385,000 |
| Owner-occupied (homestead) share | 75% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2024; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harmony Nbrhd J key facts,” movewithmomentum.com/neighborhoods/harmony-nbrhd-j-st-cloud, data as of September 20, 2026.
Harmony's J neighborhood in St Cloud is a small, newer-built pocket of the larger Harmony community, with homes dating from 2019 to 2024 and a median build year of 2022. With only a single active listing and no closings recorded in the current window, there is not enough transaction volume right now to draw a pricing conclusion - this is a market to watch and confirm case by case, not one to price off a chart.
What we can say from the physical stock: homes here run a median of roughly 2,183 square feet, and about three-quarters carry a homestead exemption, which points to a base of owner-occupied living rather than a heavy rental or investor turnover pattern. For a buyer or seller, that combination of newer construction and a thin, quiet resale market means patience and direct comparison to recent Harmony-wide activity matter more than watching this pocket in isolation.
The 60-Second Overview
A newer-construction section of Harmony in St Cloud, built out mostly between 2019 and 2024, set inside a gated, amenity-heavy master plan built around golf, trails, and recreation rather than a stand-alone subdivision feel.
Stellar MLS sales records identify 18 homes in Harmony Nbrhd J that have changed hands since 2020, built between 2019 and 2022 (median 2021), with a median living area of about 1,850 sq ft and a typical 3-bedroom, 2-bath layout; 94% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 11 qualified sales in Harmony Nbrhd J across 2024 - 2025 (7 in 2024, 4 in 2025), median $350,000 - 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 Nbrhd J is best for.
Best for
- Buyers targeting newer construction (2019 - 2024) over an older resale home
- Buyers who want daily access to golf, pool, courts, and trails as part of the purchase, not an add-on search
- Buyers comfortable making a decision with limited current inventory and willing to lean on broader Harmony comps
Probably not for
- Buyers who want to compare several active listings within this specific pocket before deciding
- Buyers who prefer no HOA or deed restrictions on their property
- Buyers priced strictly off recent local closings, since none are currently recorded here
The market around Harmony Nbrhd J
Harmony Nbrhd J is too small for its own price trend, so here is the market around it.
In ZIP 34773, 198 homes are on the market and 27% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,465 homes are active and 1,093 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 Nbrhd J specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Harmony Nbrhd J, 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.
Homes For Sale Right Now in Harmony Nbrhd J
Live MLS inventory for Harmony Nbrhd J. 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 Nbrhd J listings as of 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2024. Tap any home to ask about it.
Every Home for Sale in Harmony Nbrhd J St Cloud Right Now (1)
All 1 active and pending Harmony Nbrhd J St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3113 Songbird Cir · $385,000 · 3 bd / 2 ba · listed Jun 27, 2026 · listed by Corcoran Connect Llc
Life at Harmony Nbrhd J
- Clubhouse · reported on 1 of 1 listings
- Fitness Center · reported on 1 of 1 listings
- Golf Course · reported on 1 of 1 listings
- Park · reported on 1 of 1 listings
- Pickleball Court(s) · reported on 1 of 1 listings
- Playground · reported on 1 of 1 listings
- Pool · reported on 1 of 1 listings
- Tennis Court(s) · reported on 1 of 1 listings
- Trail(s) · reported on 1 of 1 listings
- Deed Restrictions · reported on 1 of 1 listings
- Dog Park · reported on 1 of 1 listings
- Gated Community - No Guard · reported on 1 of 1 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 Nbrhd J 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 Nbrhd J address.
Shop the zone: Homes zoned for Harmony High High School
The Harmony Nbrhd J buying strategy.
If we were buying in Harmony Nbrhd J 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 Nbrhd J.
Newer stock, deep amenity base, thin resale data
This section of Harmony sits on the newer end of the community's build-out, with every home dated 2019 or later and a median year built of 2022. That means buyers are largely looking at construction under current codes and more recent finish standards rather than homes that have cycled through multiple owners or major renovation phases. At a median of about 2,183 square feet, the typical home here is sized for more than a starter footprint, without tipping into an outsized floor plan.
The amenity package attached to this address is substantial: clubhouse, fitness center, golf course access, pool, pickleball and tennis courts, a dog park, playground, trails, and golf-cart-friendly streets, all inside a gated (no-guard) community with deed restrictions. That is a lot of shared infrastructure to fold into a purchase decision, and it comes with an HOA structure worth reading closely before writing an offer - confirm current amenities and access directly with the association, since MLS-reported amenities can shift over time.
The location and the amenities are priced into every listing in Harmony Nbrhd J. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With just one active listing and no recent closings to benchmark against, pricing a home in this pocket correctly takes pulling comparable sales from the broader Harmony footprint, not just this micro-neighborhood - that is the kind of cross-referencing we do as a matter of course, not an afterthought.
Harmony Nbrhd J in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $252/month (about $3,024/yr) · median of 15 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $252 per month ($3,024 a year) - the median AssociationFee across 15 MLS records, normalised to a monthly figure; most are billed quarterly. 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 Nbrhd J 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 Nbrhd J sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harmony Nbrhd J, 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 Nbrhd J home worth?
Get a no-obligation home value based on real comparable sales in Harmony Nbrhd J, 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 Nbrhd J on the map →
29% of homes for sale in ZIP 34773 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 (2026-09-27).
Frequently Asked Questions
How many homes are in Harmony Nbrhd J?
What share of Harmony Nbrhd J is owner-occupied?
When were the homes in Harmony Nbrhd J built?
Who is the best real estate agent for Harmony Nbrhd J?
How do I find a top St Cloud real estate agent who knows Harmony Nbrhd J?
Can Momentum Realty connect me with an agent for Harmony Nbrhd J?
Where is Harmony Nbrhd J, and what county is it in?
Should you buy in Harmony Nbrhd J?
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 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34773)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2021 (20 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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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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