Harmony Homes for Sale in St. Cloud, FL
Harmony is one community to a buyer and 45 to the MLS: each phase, tract or condominium was platted and recorded separately, so its listings, sales and HOA facts sit on separate records. This page adds them up and links every section, so you can compare prices across Harmony before you narrow to one street.
Harmony in St. Cloud, FL is 45 MLS subdivisions, with 161 homes for sale or pending across them as of October 24, 2026. Asking prices run $2,400 to $1,750,000 (median $382,490). Over the last 12 months the sections recorded 352 closed sales at a median of $387,250, $195 per square foot, a median 47 days on market. Homes listed today were built 2004–2026. The MLS holds 1,649 closed sales for Harmony in total, the most recent in September 2026.
Harmony homes for sale by section
Click a section for its own page: the homes for sale there, its sales history, HOA and flood facts.
How to read Harmony prices
Sections of one community can price very differently: build year, lot size, water or golf frontage and HOA scope all move the median. Compare the section medians above before judging a single listing, and treat the community-wide median as the reference point, not a value for any specific home.
What it really costs to own in Harmony
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| CDD / special assessments | Listings here report a median of $2,657/yr in CDD or special-district assessments on the tax bill (17 listings, MLS, 2026-10-24). 100% of the 17 listings that report the field show one. The amount is per lot and set by the district: confirm it on the parcel's TRIM notice. |
|---|---|
| HOA dues | MLS listings here mostly enter dues as billed annually, but the median entry is only $100/year across 17 listings (2026-10-24), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
| 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. |
| Roof and age | Median build year 2009 across 18 listings. An original roof here would be about 17 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in 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
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harmony will answer, and the answer is published on this page for the next buyer.
Common questions
How many homes are for sale in Harmony?
What do homes in Harmony cost?
Why does Harmony have 45 pages?
Keep exploring
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only for the 45 MLS sections of Harmony; no individual listing is displayed here. Prices are asking or recorded sale prices, not values. Property facts only; nothing on this page describes residents. Equal Housing Opportunity.
Harmony St Cloud Market Scorecard
Harmony St Cloud is currently a seller's market. About 3.8 months of supply, a median asking price of $499,900, and homes go under contract in about 118 days.
Typical home value in the 34773 ZIP is $379,252, about 18.9% 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.