7636 BENT TREE LOOP
St Cloud, FL 34773
$391,400
SAVE UP TO APPROXIMATELY $2,401.90 PER YEAR IN CDD ASSESSMENTS + $15,000 FLEX CASH + THOUSANDS IN CLOSING-COST SAVINGS!
Imagine coming home, stepping onto the covered lanai and looking out over a peaceful green conservation area instead of directly into another backyard. 7636 Bent Tree Loop combines that added privacy with the comfort and savings of brand-new construction.
Now offered at $378,900, this move-in-ready Adams Home features conservation view and large kitchen island. This 3-bedroom, 2-bath 1970B plan offers efficient single-story living, a private primary suite and two additional bedrooms that can support guests, remote work or hobbies.
The open-concept living area connects naturally to the kitchen, where granite countertops, Whirlpool stainless-steel appliances, generous cabinetry and a large center island create an inviting place for meals and entertaining. The private primary suite provides a comfortable retreat, while the covered lanai extends the living space outdoors.
Harmony Central has NO CDD. Compared with the highest published FY2026 annual CDD assessment of approximately $2,401.90 in certain nearby competing new-home communities, that represents savings of approximately $200 per month—or nearly $24,019 over 10 years if the assessment remained unchanged.
This home also receives $15,000 IN FLEX CASH that can be used to lower the interest rate and create even more savings on the monthly mortgage payment. When using the builder’s preferred lender, the BUILDER PAYS CLOSING COSTS EXCLUDING PREPAIDS—saving buyers thousands more at closing. Secure this home with only a $1,000 deposit.
Harmony Central also offers a low HOA, ...
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Listing Courtesy of: ADAMS HOMES REALTY, INC
850-469-0977
Buyer Represented by: ADAMS HOMES REALTY, INC
| Listing Id: | O6402714 |
|---|---|
| List Price: | $378,900 |
| Close Price: | $391,400 |
| Close Date: | 2026-11-13 |
| Property Type: | Residential |
| Property Sub Type: | Single Family Residence |
| Status: | Closed |
| Bedrooms Total: | 3 |
| Bathrooms Full: | 2 |
| Living Area: | 1,970 |
| Tax Annual Amount: | $908 |
| Lot Size Square Feet: | 8,276 |
| Lot Size Acres: | 0.19 |
| Waterfront?: | No |
| City: | St Cloud |
| County Or Parish: | Osceola |
| Subdivision Name: | Harmony Central Ph 2 |
| Postal Code: | 34773 |
| Year Built: | 2026 |
| Additional Parcels?: | No |
| Appliances: | Dishwasher, Microwave, Range |
| Association Fee: | $908 |
| Association Fee Frequency: | Annually |
| Attached Garage?: | Yes |
| Bathrooms Total Integer: | 2 |
| Building Area Source: | Builder |
| Building Area Total: | 2482 |
| Building Area Units: | Square Feet |
| Carport Spaces: | 2 |
| Carport?: | Yes |
| Direction Faces: | Northeast |
| Foundation Details: | Slab |
| Construction Materials: | Block, Stucco |
| Cooling: | Central Air |
| Directions: | From Narcoossee Rd take 192 East for 8 miles towards Melbourne, continue past Harmony High-school and Harmony Main, Harmony Central will be located on your left. |
| Elementary School: | Harmony Community School (K-5) |
| Exterior Features: | Sidewalk |
| Flooring: | Carpet, Ceramic Tile |
| Furnished: | Unfurnished |
| Garage Spaces: | 2 |
| Garage?: | Yes |
| Community Features: | Dog Park, Pool |
| Heating: | Central |
| High School: | Harmony High |
| Interior Features: | Crown Molding, High Ceilings, Thermostat, Walk-In Closet(s) |
| Laundry Features: | Laundry Room |
| Levels: | One |
| Ownership: | Fee Simple |
| Living Area Source: | Builder |
| Living Area Units: | Square Feet |
| Lot Size Acres: | 0.19 |
| Middle Or Junior School: | Harmony Middle |
| MLS Area Major: | 34773 - St Cloud (Harmony) |
| MLS Area Major: | 34773 - St Cloud (Harmony) |
| Original List Price: | $423,900 |
| Other Equipment: | Irrigation Equipment |
| Parcel Number: | 32-26-32-3666-000P-0060 |
| Pets Allowed: | Yes |
| Township: | 26 |
| Road Surface Type: | Asphalt |
| Roof: | Shingle |
| Listing Terms: | Cash, Conventional, FHA, USDA Loan, VA Loan |
| Tax Year: | 2026 |
| Senior Community?: | No |
| Sewer: | Public Sewer |
| Special Listing Conditions: | None |
| State Or Province: | FL |
| Association?: | Yes |
| Utilities: | Cable Available, Electricity Connected, Public, Sewer Connected, Water Connected |
| Water Source: | Public |
| Property Condition: | Completed |
| Public Survey Range: | 32 |
| Public Survey Section: | 32 |
| Zoning: | X500 |
| Alternate Key Folio Num: | 26-32-32-3666-000O-012.0 |
| Association Approval Required Yn: | No |
| Association Fee Requirement: | Required |
| Available For Lease Yn: | Yes |
| Backups Requested Yn: | Yes |
| Building Area Total Srch Sq M: | 230.59 |
| Calculated List Price By Calcula: | 192.34 |
| Cddyn: | No |
| Dprurl: | https://www.workforce-resource.com/dpr/listing/MFRMLS/O6402714?w=Agent&skip_sso=true |
| Dprurl 2: | https://www.workforce-resource.com/dpr/listing/MFRMLS/O6402714?w=Customer |
| Dpryn: | Yes |
| Exist Lse Tenant Yn: | No |
| Flood Zone Code: | X500 |
| Flood Zone Date: | 2013-06-18 |
| Flood Zone Panel: | 12097C0295G |
| Green Verification Count: | 0 |
| Homestead Yn: | No |
| Lease Restrictions Yn: | No |
| Listing Exclusion Yn: | No |
| Living Area Meters: | 183.02 |
| Lot Size Square Meters: | 769 |
| Minimum Lease: | 8-12 Months |
| Monthly Hoa Amount: | $76 |
| Room Count: | 6 |
| Sdeo yn: | No |
| Total Acreage: | 0 to less than 1/4 |
| Total Annual Fees: | $908 |
| Total Monthly Fees: | $76 |
| Unit Number Yn: | No |
| Water Access Yn: | No |
| Water Extras Yn: | No |
| Water View: | No |
| Yrs Of Owner Prior To Leasing Re: | 0 |
| Association Name: | Pedro Gutierrez |
| Association Phone: | 407-705-2190 |
| Association 2 Yn: | 0 |
| Attribution Contact: | 850-469-0977 |
| Originating System Name : | Stellar MLS |
| Dock Yn: | No |
| In Law Suite Yn: | No |
| Green Energy Generation Yn: | No |
| Listing Contract Date: | 2026-04-27 |
| Fireplace?: | No |
| Pool Private?: | No |
| New Construction?: | Yes |
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Property Last Updated: November 14, 2026 02:56 AM - ET
