
7631 BENT TREE LOOP, ST CLOUD, FL, 34773
Active213 days on marketListed Mar 11, 2026MLS #O6389991
Come see it
Upcoming open houses
Fri, Oct 23
12:00 PM – 5:00 PM
OPEN HOUSE! Tour this brand-new, move-in-ready Adams Home in Harmony Central. Enjoy NO CDD, a low HOA, community pool with cabanas and a dog park. Ask about current builder incentives and financing opportunities. With the builder’s preferred lender, BUILDER PAYS CLOSING COSTS EXCLUDING PREPAIDS—saving buyers thousands at closing. Secure your new home with only a $1,000 deposit. Stop by and see how much more your money can buy at Harmony Central!
Sat, Oct 31
10:00 AM – 5:00 PM
OPEN HOUSE! Tour this brand-new, move-in-ready Adams Home in Harmony Central. Enjoy NO CDD, a low HOA, community pool with cabanas and a dog park. Ask about current builder incentives and financing opportunities. With the builder’s preferred lender, BUILDER PAYS CLOSING COSTS EXCLUDING PREPAIDS—saving buyers thousands at closing. Secure your new home with only a $1,000 deposit. Stop by and see how much more your money can buy at Harmony Central!
About this home
7631 BENT TREE LOOP
SAVE UP TO APPROXIMATELY $2,401.90 PER YEAR IN CDD ASSESSMENTS + $15,000 FLEX CASH + THOUSANDS IN CLOSING-COST SAVINGS! Imagine beginning the morning with coffee beside a peaceful water view and ending the day watching the Florida sky reflect across the pond. 7631 Bent Tree Loop offers that calming backdrop along with the comfort and savings of a brand-new home. Now offered at $341,900, this move-in-ready Adams Home features pond view, covered lanai and no rear neighbors. This 3-bedroom, 2-bath 1515B 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, a community pool with cabanas, a dog park and walking trails—all without the additional CDD assessment. NEW PRICE: $341,900 POND VIEW, COVERED LANAI AND NO REAR NEIGHBORS NO CDD $15,000 FLEX CASH BUILDER-PAID CLOSING COSTS ONLY $1,000 DEPOSIT This is an opportunity to enjoy a brand-new home, lower the interest rate and keep more money in your budget every month. Schedule your private showing today before the current incentives change. CDD comparison is based on the highest published FY2026 assessment for certain nearby properties and varies by lot size, bond area and property. The 10-year figure is a simple projection assuming no assessment changes. Builder-paid closing costs exclude prepaids and require the use of a preferred lender. The use of Flex Cash, financing programs and incentives is subject to current lender and program guidelines and availability.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,515
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$226
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.
$2,451 /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
$2,451/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
−5.5%
$/sqft vs St Cloud actives
$226 vs $211
Days on market
213 vs 65 typical
Where $226/sqft sits among the 400 St Cloud actives
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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
226 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% 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 7631 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 · Aug ’26$407,900
7560 BENT TREE LOOP · same community
3 bd · 2 ba · 1,955 sqft · $209/sqft · 205 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7631 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 7631 BENT TREE LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7631 BENT TREE LOOP FAQs
What would the monthly payment be for 7631 BENT TREE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,451/mo — principal and interest, the actual property-tax bill, the $69/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 7631 BENT TREE LOOP?+
The association fee works out to $69 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7631 BENT TREE LOOP?+
The most recent tax bill on record (2025) was $698. 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 7631 BENT TREE LOOP?+
The listing reports pets: Yes. 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 $341,900, this home is listed about 20% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7631 BENT TREE LOOP?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$341,900 runs 14% above the ST CLOUD 34773 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
213 days on market against a St Cloud median of 65 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $369,900, now $341,900 — a $28K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC · Jannette Rodriguez. MLS #O6389991.
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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