7560 BENT TREE LOOP, ST CLOUD, FL, 34773
Active186 days on marketListed Jan 14, 2026MLS #O6373548
About this home
7560 BENT TREE LOOP
Eligible for a 4.99% fixed interest rate through the builder's preferred lender. Estimated monthly payments starting from approximately $2,147.58/month for qualified FHA buyers, based on current pricing and financing assumptions. This beautiful new-construction home offers modern finishes, energy-efficient features, and builder incentives, which may include closing cost assistance. Discover exceptional value in this brand-new, move-in-ready, 3-bed, 2-bath home by Adams Homes, located in the highly desirable Harmony Central community. Recently, the price dropped by $20k. This thoughtfully designed residence features an open-concept layout, modern finishes, and abundant natural light throughout. Buyers can take advantage of unbeatable incentives, including paid closing costs. With a St. Cloud mailing address and access to Harmony’s peaceful surroundings and lifestyle amenities, this home offers the perfect blend of comfort, convenience, and affordability in one of Osceola County’s premier master-planned communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,955
Sqft
0.17 ac
Lot size
2
Garage
2025
Year built
One
Levels
$209
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,873 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,873/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.4%
$/sqft vs HARMONY CENTRAL
$209 vs $193
Days on market
186 vs 33 typical
Where $209/sqft sits among the 9 homes for sale in HARMONY CENTRAL
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
1 of 9
HARMONY CENTRAL have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 7560 BENT TREE LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$399,900
7690 BENT TREE LOOP · same community
4 bd · 2 ba · 1,820 sqft · $220/sqft · 0 DOM
Sold · Mar ’26$408,900
7568 BENT TREE LOOP · same community
4 bd · 2 ba · 1,820 sqft · $225/sqft · 1 DOM
Sold · Jul ’25$390,900
3888 SAGEFIELD DRIVE · same community
3 bd · 2 ba · 1,680 sqft · $233/sqft · 651 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7560 BENT TREE LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7560 BENT TREE LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7560 BENT TREE LOOP FAQs
What would the monthly payment be for 7560 BENT TREE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,873/mo — principal and interest, the actual property-tax bill, the $68/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 7560 BENT TREE LOOP?+
The association fee works out to $68 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7560 BENT TREE LOOP?+
The most recent tax bill on record (2024) was $759. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 7560 BENT TREE LOOP?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $407,900, this home is listed about 4% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7560 BENT TREE LOOP?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$407,900 runs 29% above the ST CLOUD 34773 median.
02Time on market is leverage
186 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC. · William Medina. MLS #O6373548.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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