Price Reduced Listing7642 Bent Tree Loop,ST CLOUD, FL 34773
ST CLOUD, FL 34773
Description
**LIMITED-TIME PROMOTION: FREE WASHER, DRYER AND REFRIGERATOR - RECEIVED AFTER CLOSING!** PRICE REDUCED $50,000; reduction already reflected in the advertised price. Imagine coming home, stepping onto the covered lanai and relaxing outdoors. Welcome to 7642 Bent Tree Loop. Now offered at $361,900, this move-in-ready Adams Home features flexible dining/office space. This 3-bedroom, 2-bath 1780A plan provides 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 covered lanai extends the living space outdoors and provides a place to relax. 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 monthly-or approximately $48,038 over 20 years if the assessment remained unchanged. This comparison uses published FY2026 assessments for certain nearby properties; assessments vary by property and may change annually. The 20-year amount is a simple illustration assuming unchanged annual assessments, not guaranteed future savings. HOA fees and other property taxes are separate. Community amenities include a pool with cabanas and a dog park. $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 October 31, 2026, with no contingencies and a 30-day closing in November 2026. Builder-paid closing costs, excluding prepaids, require a preferred lender. A $1,000 contract deposit reserves the home; additional funds may be required at closing. For contracts executed by October 31, 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. Schedule your private tour and picture the everyday moments that could begin here. FHA FINANCING: Estimated initial principal and interest (P&I) $1,905.39/month for months 1-60 at 4.99% initial interest rate, 6.216% APR, through Acrisure. Based on $361,900 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.
Details
| MLS # | O6418564 |
|---|---|
| Listing Type | For Sale |
| Style | House |
| HOA Dues | $904 |
| Sub-Type | For-sale |
| Status | Active |
| Year | 2026 |
| Days On Site | 128 |
| Listing Provided By | ADAMS HOMES REALTY, INC | Jannette Rodriguez |
Features
| Bed(s) | 3 |
|---|---|
| Bath(s) | 2 Total |
| SQ Feet | 1,780 |
| Garage | 2 |
| Story(s) | 1 |
| Zoning | X 500 |
| Acreage | 0.14 |
Taxes
| Property | 831 |
|---|
Area Information
| State | FL |
|---|---|
| County | Osceola |
| City | ST CLOUD |
| Zip Code | 34773 |
| Area | 34773 St Cloud (Harmony) |
| Community Name | HARMONY CENTRAL PH 2 |
| School District | Harmony High |
| Elementary School | Harmony Community School (K-5) |
| High School | Harmony High |
| Listing VS Median (in HARMONY CENTRAL PH 2) | |
Price: $361,900 low | high Med: $378,900 sqft: 1,780 low | high Med: 1,970 $ / sqft: $203 low | high Med: $192 On site: 128 low | high Med: 8 | |
Market Activity 34773
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Listings courtesy of Stellar MLS as distributed by MLS GRID.Based on information submitted to the MLS GRID as of October 26, 2026 at 5:33:20 PM PDT All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. “The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.
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Learn More About This Property
| State | FL |
|---|---|
| County | Osceola |
| City | ST CLOUD |
| Zip Code | 34773 |
| Area | 34773 St Cloud (Harmony) |
| Community Name | HARMONY CENTRAL PH 2 |
| School District | Harmony High |
| Elementary School | Harmony Community School (K-5) |
| High School | Harmony High |
| Listing VS Median (in HARMONY CENTRAL PH 2) | |
Price: $361,900 low | high Med: $378,900 sqft: 1,780 low | high Med: 1,970 $ / sqft: $203 low | high Med: $192 On site: 128 low | high Med: 8 | |
Listings courtesy of Stellar MLS as distributed by MLS GRID.Based on information submitted to the MLS GRID as of All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. “The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.
