7528 Bent Tree Loop, Saint Cloud, FL 34773
Local realty services provided by:CENTURY 21 Real Estate Champions
Listed by: jannette rodriguez, liza carrasquillo
Office: adams homes realty, inc
MLS#:O6372876
Source:MFRMLS
Price summary
- Price:$344,900
- Price per sq. ft.:$162.54
- Monthly HOA dues:$75.67
About this home
7528 BENT TREE LOOP | HARMONY CENTRAL | ST. CLOUD, FL 34773
MOVE-IN READY - $344,900. The $71,000 price reduction is already included. This new Adams Home offers 3 bedrooms, 2 baths, 1,780 sq ft, a 2-car garage, granite kitchen counters, stainless-steel appliances, an island, flexible dining/office space, a private primary suite and covered lanai.
PROMOTION & CLOSING-COST SAVINGS
Does the builder pay closing costs? Yes. Save thousands with builder-paid closing costs using a preferred lender, excluding prepaids.
What is the promotion? $10,000 Flex Cash toward eligible purchase expenses or a rate buydown, plus free washer, dryer and refrigerator received after closing. Advertised FHA financing starts at 4.99%; see ARM disclosure below. Subject to builder, lender and loan-program terms. New contract by October 31, 2026, no contingencies, with a 30-day closing in November 2026. A $1,000 contract deposit reserves the home; additional funds may be due at closing. A 1% Buyer Credit through Acrisure is available for eligible contracts by October 31, 2026, subject to lender terms. Confirm complete terms and availability.
HARMONY CENTRAL FAQs
1. Why St. Cloud? New housing, affordability and recreation.
2. Alternative to Lake Nona? Potentially more home for the budget.
3. Medical City distance? Community website estimates 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? Established master-planned setting and recreation.
11. MCO distance? Website estimates 25 minutes.
12. Downtown Orlando commute? Website estimates 35 minutes. All travel estimates 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? This home's flex dining/office space offers a workspace.
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....
Contact an agent
Home facts
- Year built:2026
- Subdivision & Development:HARMONY CENTRAL PH 2
- Listing ID #:O6372876
- Added:289 day(s) ago
- Updated:October 29, 2026 at 01:14 PM
Rooms and interior
- Bedrooms:3
- Total bathrooms:2
- Full bathrooms:2
- Flooring:Carpet, Tile
- Kitchen Description:Dishwasher, Microwave, Range, Stone Counters
- Bedroom Description:High Ceilings, Walk-In Closet(s)
- Living area:1,780 sq. ft.
Heating and cooling
- Cooling:Central Air
- Heating:Electric
- Central air:Yes
Structure and exterior
- Roof:Shingle
- Year built:2026
- Building area:1,780 sq. ft.
- Lot area:0.14 Acres
- Construction Materials:Block
- Exterior Features:Sidewalk
- Foundation Description:Slab
- Levels:1 Story
Schools
- High school:Harmony High
- Middle school:Harmony Middle
- Elementary school:Harmony Community School (K-5)
Utilities
- Water:Public, Water Connected
- Sewer:Public Sewer
Finances and disclosures
- Price:$344,900
- Price per sq. ft.:$162.54
- Tax amount:$831 (2025)
Features and amenities
- Appliances:Dishwasher, Irrigation Equipment, Microwave, Range
- Laundry features:Laundry Room
- Amenities:Cable Available, Ceiling Fans(s), High Ceilings, Irrigation Equipment, Open Floorplan, Pest Guard System, Stone Counters, Thermostat, Walk-In Closet(s)
- Pool features:Public Pool
Parking
- Parking description:Attached Garage
- Garage:Yes
- Garage spaces:2
New listings near 7528 Bent Tree Loop
- Coming Soon
$524,990Coming Soon3 beds 2 baths2,199 sq. ft.5645 Settlingstone Lane, ST CLOUD, FL 34771
MLS# O6453511Listed by: PULTE REALTY OF NORTH FLORIDA LLC - Coming Soon
$442,850Coming Soon3 beds 2 baths1,670 sq. ft.2698 Midsweet Avenue, ST CLOUD, FL 34772
MLS# O6452406Listed by: PULTE REALTY OF NORTH FLORIDA LLC - Coming Soon
$494,150Coming Soon2 beds 2 baths1,889 sq. ft.2762 Midsweet Avenue, ST CLOUD, FL 34772
MLS# O6452425Listed by: PULTE REALTY OF NORTH FLORIDA LLC - Coming Soon
$325,940Coming Soon2 beds 2 baths1,321 sq. ft.2767 Buckeye Lane, ST CLOUD, FL 34772
MLS# O6452443Listed by: PULTE REALTY OF NORTH FLORIDA LLC - Coming Soon
$538,520Coming Soon2 beds 2 baths1,889 sq. ft.6282 Snow Tree Lane, ST CLOUD, FL 34771
MLS# O6452470Listed by: PULTE REALTY OF NORTH FLORIDA LLC - Coming Soon
$314,900Coming Soon3 beds 2 baths1,134 sq. ft.2939 Cialella Pass, ST CLOUD, FL 34772
MLS# S5159814Listed by: LARIMAR REALTY - Coming Soon
$299,900Coming Soon2 beds 1 baths1,242 sq. ft.127 Lakeview Drive, ST CLOUD, FL 34769
MLS# S5158340Listed by: FLORIDA LUX LISTINGS, LLC - Coming Soon
$875,000Coming Soon4 beds 3 baths3,268 sq. ft.973 Tassleflower Trail, ST CLOUD, FL 34771
MLS# O6441624Listed by: UPWELL REALTY LLC - New
$345,000Active4 beds 2 baths1,972 sq. ft.3447 Harlequin Drive, ST CLOUD, FL 34772
MLS# S5160324Listed by: PREFERRED REAL ESTATE - New
$479,990Active4 beds 3 baths2,283 sq. ft.4566 Firefly Lane, ST CLOUD, FL 34772
MLS# G5119601Listed by: OLYMPUS EXECUTIVE REALTY INC