7612 BENT TREE LOOP, ST CLOUD, FL, 34773
Active68 days on marketListed May 5, 2026MLS #O6404629
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Upcoming open houses
Mon, Jul 13
1:00 PM – 5:00 PM
Welcome to Harmony Central with monthly options from $2,850 Brand new construction home in a fast growing community!Price reduction available+secure it with only$1,000 deposit.Save Thousands of dollar with closing cost paid! Modern open floorplan,energy-efficient features,low maintenance & builder warranty. Only 1 min from top-rated schools!NOCDD fees+lowHOA. 100% financing may be an option for qualified buyers.Call/Text689-294-0148
Tue, Jul 14
1:00 PM – 5:00 PM
Welcome to Harmony Central with monthly options from $2,850 Brand new construction home in a fast growing community!Price reduction available+secure it with only$1,000 deposit.Save Thousands of dollar with closing cost paid! Modern open floorplan,energy-efficient features,low maintenance & builder warranty. Only 1 min from top-rated schools!NOCDD fees+lowHOA. 100% financing may be an option for qualified buyers.Call/Text689-294-0148
About this home
7612 BENT TREE LOOP
Under Construction. Welcome to the highly desirable 1820 floor plan by Adams Homes, a beautifully designed brand-new 4-bedroom, 2-bath residence offering 1,820 square feet of thoughtfully crafted living space. This quick move-in home combines modern style, comfort, and functionality, making it the perfect place to call home. Step inside to discover soaring 10-foot ceilings and an open-concept layout that creates a bright and inviting atmosphere throughout. The spacious living area seamlessly connects to the dining and kitchen spaces, making everyday living and entertaining effortless. The well appointed kitchen serves as the heart of the home, featuring a large island ideal for meal preparation, casual dining, and gathering with family and friends. A charming breakfast nook provides additional dining space, while the separate formal dining room offers versatility as a home office, flex room, or additional entertaining area. Retreat to the private owner’s suite, showcasing vaulted ceilings and serene conservation views that provide a peaceful natural backdrop and added privacy. Three additional generously sized bedrooms offer ample space for family members, guests, or hobbies. Enjoy Florida living year-round from the covered lanai, perfect for relaxing outdoors or hosting gatherings while overlooking beautiful conservation surroundings. Located at Harmony Central, residents enjoy resort-style amenities including a community pool and dog park, along with the added benefit of NO CDD fees and a low HOA. Conveniently situated near shopping, dining, Narcoossee Rd. And other major roadways, and everyday conveniences, this community offers the perfect balance of tranquility and accessibility, minutes from Melbourne beach or Orlando airport. Additional peace of mind comes with Adams Homes’ outstanding warranty package, Builder incentives may be available, including thousands in savings with closing cost paid, through preferred lenders and flex cash opportunities for qualified buyers. Don’t miss this opportunity to own a brand-new home in one of St. Cloud’s fastest-growing communities. And secure your next home with only $1,000 deposit!!!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,820
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$227
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.
$2,919 /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
$2,919/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
+2.3%
$/sqft vs HARMONY CENTRAL PH 2
$227 vs $222
Days on market
68 vs 33 typical
Where $227/sqft sits among the 13 homes for sale in HARMONY CENTRAL PH 2
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 13
HARMONY CENTRAL PH 2 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% 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 7612 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 · Dec ’25$393,900
7512 BENT TREE LOOP · same community
4 bd · 2 ba · 1,820 sqft · $216/sqft · 1 DOM
Sold · Apr ’26$429,900
7600 BENT TREE LOOP · same community
3 bd · 2 ba · 1,955 sqft · $220/sqft · 20 DOM
Sold · Apr ’26$370,900
3651 BRIARLYNNE WAY · same community
4 bd · 2 ba · 1,602 sqft · $232/sqft · 0 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
Melinda Manges Iosua
Director, Agent Recruiting · CENTURY 21 Edge
Tours, negotiation, and every question about 7612 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 7612 BENT TREE LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Melinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7612 BENT TREE LOOP FAQs
What would the monthly payment be for 7612 BENT TREE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,919/mo — principal and interest, the actual property-tax bill, the $76/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 7612 BENT TREE LOOP?+
The association fee works out to $76 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7612 BENT TREE LOOP?+
The most recent tax bill on record (2025) was $831. 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 7612 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 $412,900, this home is listed about 3% 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 7612 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
Five things that matter here
01Positioned at the premium end
$412,900 runs 10% above the ST CLOUD 34773 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
68 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $421,900, now $412,900 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC · Michael Soto. MLS #O6404629.
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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