Price Reduction - New Construction - Primary on Main
Address
7569 Bent Tree Loop, ST CLOUD, FL
Price
$ 344,900
Property Attributes
- MLS#O6414061
- TypeSingle Family
- Listing Status Active
- CountyOsceola
- CityST CLOUD
- AreaSt Cloud (Harmony)
- NeighborhoodHARMONY CENTRAL
- Zip34773
- StyleSingle Family Residence
- Year Built2026
- Taxes$ 831
- Price$ 344,900
- Bedrooms3
- Full Bathrooms2
- Half Bathrooms0
- Sqr Footage1415
- Lot Size0.11 Acres
Data Source:
Stellar MLS
Property Description
7569 BENT TREE LOOP | HARMONY CENTRAL | ST. CLOUD, FLORIDA NEW CONSTRUCTION - $344,900. 3 bedrooms, 2 full baths, 1,415 sq ft. 2-car garage, granite counters, stainless appliances. PROMOTION & CLOSING-COST SAVINGS PRICE REDUCED $28,000; 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) $1,815.89/month for months 1-60 at 4.99% initial interest rate, 6.216% APR, through Acrisure. Based on $344,900 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.
| Elementary School | Middle School | High School |
|---|---|---|
| Harmony Community School (K-5) Elementary School | Harmony Middle Middle School | Harmony High High School |
| Price History | |
|---|---|
| 6/7/2026 | Listed $372,900 |
| 8/22/2026 | 5$355,000 |
| 10/1/2026 | 1$349,900 |
| 10/16/2026 | 1$344,900 |
General Features
| Sewer | Public Sewer |
|---|---|
| Heating | Central |
| Cooling | Central Air |
| Utilities | Electricity Connected,Sewer Connected,Street Lights,Underground Utilities,Water Connected |
| Roof | Shingle |
| Appliances | Dishwasher,Disposal,Electric Water Heater,Microwave,Range |
| Zoning | RES |
| HOA Fee | 907.5 |
| Garage Spaces | 2 |
| Construction Materials | Block,Stucco |
| Pets Allowed | Yes |
| Year Built | 2026 |
| Levels | One |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Ownership | Fee Simple |
| Community Features | Dog Park,Pool |
| Assoc Fee Paid Per | Annually |
| County | Osceola |
| New Construction | true |
| Property Type | Residential |
| Attached Garage | true |
| Subdivision Name | HARMONY CENTRAL |
| Facing Direction | Northeast |
| Garage Y/N | true |
| Total Rooms | 8 |
| Full Baths | 2 |
| Status | Active |
| Directions | From Orlando International airport to Harmony Central: Take SR-528 and exit on S. Narcoosee Rd and continue for apprx 15 Miles then make a left turn on US-192 East for about 9 miles and look for Harmony Central Entrance signage. As soon as you enter The Model Home will be on your left hand side entrance. |
| High School | Harmony High |
| City | ST CLOUD |
| Association Name | Artemis Lifestyles / Pedro Gutierrez |
| Senior Community Y/N | false |
| MLS Area | 34773 - St Cloud (Harmony) |
| Lot Size Units | Square Feet |
| Lot Size Square Feet | 4792 |
| Carport Y/N | false |
| Listing Terms | Cash,Conventional,FHA,USDA Loan,VA Loan |
| Elementary School | Harmony Community School (K-5) |
| Land Lease Y/N | false |
| Tax Annual Amount | 831 |
| Middle/Junior High School | Harmony Middle |
| Property Condition | Completed |
| Additional Parcels Y/N | false |
| Lease Considered Y/N | true |
| Virtual Tour | https://www.propertypanorama.com/instaview/stellar/O6414061 |
| Building Area Units | Square Feet |
| Living Area Units | Square Feet |
| Standard Status | Active |
| Occupancy Type | Vacant |
| Tax Lot | 15 |
| Legal Description | HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK N LOT 15 |
| Minimum Lease | 7 Months |
| Water Access Y/N | false |
| Monthly HOA Amount | 75.62 |
| Water View Y/N | false |
| Flood Zone Code | X500 |
| In Law Suite YN | false |
| Flood Zone Code X500 | Yes |
Interior Features
| Interior Amenities | In Wall Pest System,Open Floorplan,Primary Bedroom Main Floor,Stone Counters |
|---|---|
| Flooring | Carpet,Ceramic Tile |
| Furnished Y/N | Unfurnished |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Fireplace Y/N | false |
| Laundry Features | Laundry Room |
| Total Bedrooms | 3 |
| LivingAreaSource | Builder |
| Total Baths | 2 |
Exterior Features
| Exterior Amenities | French Doors,Private Yard,Sidewalk |
|---|---|
| Water Source | None |
| Lot Size Area | 4792 |
| Foundation Details | Slab |
| Building Area Total | 1795 |
| Lot Size Acres | 0.11 |
| Road Surface Type | Asphalt |
| Private Pool | false |
| Waterfront Y/N | false |
| Covered Spaces | 2 |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 34773
Price
Taxes
Year Built
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All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Updated on November 7, 2026 3:57 PM UTC
Copyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law.
Data Last Updated: November 7, 2026 3:57 PM UTC
