UPDATED:
Key Details
Property Type Single Family Home
Sub Type Single Family Residence
Listing Status Active
Purchase Type For Sale
Square Footage 1,820 sqft
Price per Sqft $199
Subdivision Harmony Central Ph 2 Pb 35 Pgs 139-144 Blk P Lot 8
MLS Listing ID O6416153
Bedrooms 4
Full Baths 2
Construction Status Completed
HOA Fees $68/mo
HOA Y/N Yes
Annual Recurring Fee 816.0
Year Built 2026
Annual Tax Amount $831
Lot Size 6,098 Sqft
Acres 0.14
Property Sub-Type Single Family Residence
Source Stellar MLS
New Construction true
Property Description
NEW CONSTRUCTION - $362,900. 4 bedrooms, 2 full baths, 1,820 sq ft. 2-car garage, granite counters, stainless appliances.
PROMOTION & CLOSING-COST SAVINGS
PRICE REDUCED $50,000; reduction already reflected in the advertised price.
Does the builder pay closing costs? Save thousands with builder-paid closing costs using a preferred lender; prepaids excluded.
What is the promotion? Free washer, dryer and refrigerator received after closing. $10,000 Flex Cash may be used toward eligible purchase expenses or an interest-rate buydown, subject to builder, lender and loan-program terms. New contract must be executed by November 1, 2026, with no contingencies and a 30-day closing in November 2026. A $1,000 contract deposit reserves the home; additional funds may be required at closing. For contracts executed by November 1, 2026, receive a 1% Buyer Credit when working with Acrisure, one of the builder's preferred lenders, subject to eligibility and lender terms. Ask the onsite sales team for complete incentive terms and availability.
HARMONY CENTRAL FAQs
1. Why St. Cloud? New housing, affordability and recreation.
2. Alternative to Lake Nona? Potentially more home for your budget.
3. Medical City distance? Website: about 20 minutes.
4. Under 5% down? Options may exist for qualified borrowers.
5. Buy versus rent? Compare mortgage costs, rent and potential equity.
6. Living in Harmony? Small-town surroundings with modern conveniences.
7. What attracts families? Activities, green spaces and nearby services.
8. Amenities? Pool with cabanas and dog park. Verify access to other Harmony facilities.
9. Schools? Harmony Community, Harmony Middle and Harmony High; verify district assignments.
10. What distinguishes Harmony Central? Master-planned setting and recreation.
11. MCO distance? Website estimates 25 minutes.
12. Downtown Orlando commute? Website estimates 35 minutes. Travel times vary with traffic.
13. Medical City employees? Access to healthcare workplaces.
14. Employers? Healthcare, universities, theme parks, Amazon and schools within commuting distance.
15. Remote work? Bedrooms or available flex space can accommodate work.
16. First-time buyer programs? Assistance may apply.
17. USDA financing? Lender must verify property and borrower eligibility.
18. Income needed? Depends on price, loan, credit and debts.
19. Why new construction? Modern layouts, efficiency and warranties.
20. How to tour? Request an appointment to view this home.
Harmony Central has NO CDD; HOA fees and property taxes are separate.
FHA FINANCING: Estimated initial principal and interest (P&I) $1,910.66/month for months 1-60 at 4.99% initial interest rate, 6.216% APR, through Acrisure. Based on $362,900 price, 3.5% down, financed 1.75% upfront FHA mortgage insurance and a 360-month term. This 5/1 ARM adjusts annually after year 5; rate/payment may increase. Rate caps: 1% first adjustment, 1% annually, 5% lifetime; maximum rate 9.99%. APR may increase after closing. Taxes, homeowners insurance, monthly mortgage insurance, HOA and any CDD charges are additional; total payment will be higher. Owner-occupied primary residence, minimum 640 credit score, subject to credit/loan approval, available funds, rate lock and commitment expiration. Ask sales team/lender for complete terms.
Location
State FL
County Osceola
Community Harmony Central Ph 2 Pb 35 Pgs 139-144 Blk P Lot 8
Area 34771 - St Cloud (Magnolia Square)
Zoning X
Interior
Interior Features Ceiling Fans(s)
Heating Electric
Cooling Central Air
Flooring Carpet, Ceramic Tile
Furnishings Unfurnished
Fireplace false
Appliance Dishwasher, Microwave, Range
Laundry Inside
Exterior
Exterior Feature Balcony, Garden
Garage Spaces 2.0
Utilities Available Cable Available, Electricity Available
View Y/N No
Water Access No
Roof Type Shingle
Attached Garage true
Exposure Southwest
Garage true
Private Pool No
Building
Entry Level One
Foundation Concrete Perimeter
Lot Size Range 0 to less than 1/4
Sewer Private Sewer
Water Private
Structure Type Block,Concrete
New Construction true
Construction Status Completed
Schools
Elementary Schools Harmony Community School (K-5)
Middle Schools Harmony Middle
High Schools Harmony High
Others
Pets Allowed Cats OK, Dogs OK
Senior Community No
Ownership Fee Simple
Monthly Total Fees $68
Membership Fee Required Required
Special Listing Condition None
Virtual Tour https://www.propertypanorama.com/instaview/stellar/O6416153
Nearby School & Business
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