Villages at Harmony
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, villages at harmony in St Cloud, FL has 15 homes for sale and 1 pending, asking from $300,000 to $499,000 (median $399,900). Over the 12 months ending 2026-09-20, 7 recorded sales closed at a median of $350,000, $196 per square foot, a median 51 days on market, sellers accepting 97% of original asking (-14% versus the prior year). Homes listed or recently sold were built 2021 - 2024; 25 of 25 report an HOA (median $37/mo); none of the 23 geocoded homes sit in a FEMA special flood hazard zone (median elevation 76 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $5,330 ($4,730 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 34771, 34773 |
|---|---|
| Homes in the community | 337 (FL DOR 2025 assessment roll) |
| Years built | 2021–2024 (median 2022) |
| Typical living area | 2,122 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Fitness Center, Clubhouse, Playground, Pool, Dog Park, Deed Restrictions |
| Sale prices, last 12 months | $350,000 median across 7 closed sales · $196 per sq ft · -14.1% vs the prior 12 months |
| Days on market (closed sales) | 51 median |
| For sale right now | 14 active, 0 pending · median asking $399,950 · 18.7 months of supply |
| Owner-occupied (homestead) share | 84% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2022 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “villages at harmony key facts,” movewithmomentum.com/neighborhoods/villages-at-harmony-st-cloud, data as of September 20, 2026.
Last 30 days in Villages at Harmony: 5 new listings (median asking $365,000), 1 under contract right now. As of September 27, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Villages at Harmony
Live MLS inventory for Villages at 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 Villages at Harmony listings as of 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2022 through 2026. Tap any home to ask about it.
Every Home for Sale in Villages At Harmony St Cloud Right Now (16)
All 16 active and pending Villages At Harmony St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2842 Common Crane Court · $300,000 · 3 bd / 2 ba · listed Sep 24, 2026 · listed by Century 21 Edge
- 2915 Turnstone Run · $399,900 · 4 bd / 2.5 ba · listed Sep 23, 2026 · listed by Vital Realty Group Inc
- 2532 Harmonia Hammock Road · $360,000 · 3 bd / 2 ba · listed Sep 17, 2026 · listed by Redfin Corporation
- 2763 Swooping Sparrow Drive · $365,000 · 3 bd / 2 ba · listed Sep 9, 2026 · listed by Watson Realty Corp
- 6724 Huntleigh Hammock Road · $409,990 · 4 bd / 2.5 ba · listed Aug 30, 2026 · listed by Diamond 2000 Realty, Inc
- 2561 Harmonia Hammock Rd · $400,000 · 4 bd / 2 ba · listed Aug 28, 2026 · listed by Petra Worldwide
- 2786 Harmonia Hammock Road · $459,999 · 5 bd / 3 ba · listed Aug 1, 2026 · listed by The Firm Re
- 2816 Swooping Sparrow Drive · $349,900 · 3 bd / 2 ba · listed Jul 31, 2026 · listed by Forteza Realty Llc
- 6946 Audobon Osprey Cove · $499,000 · 4 bd / 3 ba · listed Jul 29, 2026 · listed by Dtb Florida Realty, Inc.
- 2845 Ethan Hammock Road · $389,000 · 4 bd / 2 ba · listed Jul 29, 2026 · listed by Meta One Realty Group Llc
- 2733 Reddish Egret Bend · $375,000 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by La Rosa Realty Llc
- 6708 Alder Rd · $399,900 · 4 bd / 2 ba · listed Jul 10, 2026 · listed by Orchard Brokerage, Llc
- 2847 Common Crane Court · $304,990 · 3 bd / 2 ba · listed Jun 27, 2026 · listed by Agent Trust Realty Corporation
- 2541 Harmonia Hammock Road · $400,000 · 3 bd / 2 ba · listed Jun 27, 2026 · listed by Lovejoy Professional Realty, Inc
- 2540 Harmonia Hammock Road · $454,000 · 5 bd / 3 ba · listed Jun 27, 2026 · listed by Homesmart
- 6960 Audobon Osprey Cove · $410,000 · 4 bd / 3 ba · pending · listed Jun 27, 2026 · listed by Coldwell Banker Realty
Villages at Harmony right now
🟢 Buyer-leaning market. 18.7 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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 20, 2026. Confidence: High (14 active and pending listings, 7 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($350K) is down 14.1% from the prior 12 months ($408K). With about 6 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 20. Confidence: Medium (7 and 8 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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
Villages at Harmony market snapshot (as of September 20, 2026): the median sale price is about $350K ($196 per sq ft over the trailing 12 months of closed sales), a median 51 days on market for closed sales, and 18.7 months of supply, a buyer-leaning market. The trailing-12-month median is down 14% from the prior 12 months, computed from record-level Stellar MLS closed sales (7 closings in the current window).
In ZIP 34771 (St Cloud), 2,895 homes closed in the last 12 months at a median of $436K ($211/sq ft), up 0.5% year over year, with a median 45 days on market. Right now 473 active and 208 pending listings put supply at about 3.4 months - a healthy market. See the live ZIP 34771 housing market and the Osceola County market.
County records show 49 qualified sales in villages at harmony across 2024 - 2025 (46 in 2024, 3 in 2025), median $377,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in villages at harmony: of 21 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.
Villages at Harmony is a community of 337 homes in St Cloud, Osceola County, built between 2021 and 2024 (median 2022), with a median living area of about 2,122 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 Villages at Harmony. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Villages at Harmony; content deemed reliable but not guaranteed.
Housing distress & ownership in villages at 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.
Villages at 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 Villages at Harmony
- Fitness Center · reported on 12 of 16 listings
- Playground · reported on 11 of 16 listings
- Clubhouse · reported on 10 of 16 listings
- Pool · reported on 10 of 16 listings
- Deed Restrictions · reported on 5 of 16 listings
- Dog Park · reported on 4 of 16 listings
- Community Mailbox · reported on 4 of 16 listings
- Park · reported on 3 of 16 listings
- Trail(s) · reported on 2 of 16 listings
- Tennis Court(s) · reported on 2 of 16 listings
- Recreation Facilities · reported on 2 of 16 listings
- Association Recreation - Lease · reported on 1 of 16 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 Villages at 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 Villages at Harmony address.
Shop the zone: Homes zoned for Harmony High High School
The Villages at Harmony buying strategy.
If we were buying in Villages at 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Villages at Harmony.
A closer look at the Villages at Harmony market
At a median of $196 per square foot, Villages at 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 18.7 months of supply, a buyer-leaning market and the trailing-12-month median down 14% year over year. Homes that do trade take a median 51 days on market, useful leverage on any listing that has lingered.
The housing stock is 337 homes built between 2021 and 2024, 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 Villages at 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 Villages at 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 (4.8). Basis: Recent Direction -14.1% year-over-year; Liquidity & Demand 18.7 months of supply; Owner Commitment 84% owner-occupied; Pricing Power 97.3% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $37/month (about $444/yr) · median of 336 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $37 per month ($444 a year) - the median AssociationFee across 336 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 Villages at 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 Villages at Harmony sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Villages at 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 Villages at Harmony home worth?
Get a no-obligation home value based on real comparable sales in Villages at 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 Villages at Harmony on the map →
Recently off market in villages at harmony
Homes in villages at 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.
- 2533 Harmonia Hammock Road · off market
- 2780 Swooping Sparrow Drive · off market
- 2807 Harmonia Hammock Road · off market
- 6960 Audobon Osprey Cove · off market
6% of homes for sale in Villages at Harmony 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).
VILLAGES AT HARMONY Market Scorecard
VILLAGES AT HARMONY is currently a strong buyer's market. About 20.0 months of supply, a median asking price of $399,900, and homes go under contract in about 42 days.
Typical home value in the 34773 ZIP is $379,811, about 18.7% 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 Villages at Harmony?
How long do homes in Villages at Harmony take to sell?
Is Villages at Harmony a buyer's or seller's market right now?
How many homes are in Villages at Harmony?
What share of Villages at Harmony is owner-occupied?
When were the homes in Villages at Harmony built?
Who is the best real estate agent for Villages at Harmony?
How do I find a top St Cloud real estate agent who knows Villages at Harmony?
Can Momentum Realty connect me with an agent for Villages at Harmony?
Where is Villages at Harmony, and what county is it in?
Is Villages at Harmony in a flood zone?
Is Villages at Harmony a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 34771/34773)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2022 (29 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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See how villages at harmony fits the bigger picture — live prices, inventory, and Momentum Scores:
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