7642 BENT TREE LOOP, ST CLOUD, FL, 34773
Active30 days on marketListed Jun 20, 2026MLS #O6418564
About this home
7642 BENT TREE LOOP
Experience the perfect blend of comfort, style, and convenience in this brand-new, move-in-ready 3-bedroom, 2-bath home located in the desirable Harmony Central community. Designed with modern living in mind, this home features soaring ceilings, an open-concept layout, and beautiful conservation views that create a peaceful and inviting atmosphere. The heart of the home is the spacious kitchen, highlighted by a large center island perfect for meal preparation, entertaining, and everyday gatherings. Adjacent to the kitchen, the bright dining area features a charming bay window that fills the space with natural light. The open living area seamlessly connects the main living spaces, creating an ideal setting for both relaxation and hosting guests. The private primary suite serves as a tranquil retreat, offering vaulted ceilings and serene conservation views for added privacy and relaxation. Two additional bedrooms are generously sized and provide ample closet space for family, guests, or a home office setup. A separate formal dining room adds versatility and can easily be used as a flex space, home office, or playroom to fit your lifestyle needs. Additional peace of mind comes with the builder’s warranty. Take advantage of incredible builder incentives available for a limited time, including all closing costs paid when using a preferred lender and up to $10,000 in Flex Cash that may be used to buy down your interest rate, helping make your monthly payment more affordable. Harmony Central residents enjoy NO CDD fees, a low HOA, and access to outstanding community amenities, including a resort-style swimming pool and dog park. Conveniently located near shopping, dining, schools, and major roadways, this community offers the perfect balance of tranquility and accessibility. Don’t miss this opportunity to own your piece of Harmony and enjoy the lifestyle you’ve been looking for. Builder incentives, closing cost assistance, and financing programs are subject to change. Buyer should verify all incentives and financing terms directly with the builder and preferred lender.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,780
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$231
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.
$2,911 /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
$2,911/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
+5.3%
$/sqft vs HARMONY CENTRAL PH 2
$231 vs $222
Days on market
30 vs 33 typical
Where $231/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)
2 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 31% 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 7642 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7642 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 7642 BENT TREE LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7642 BENT TREE LOOP FAQs
What would the monthly payment be for 7642 BENT TREE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,911/mo — principal and interest, the actual property-tax bill, the $75/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 7642 BENT TREE LOOP?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7642 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 7642 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 $411,900, 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 7642 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.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC · Michael Soto. MLS #O6418564.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 7642 BENT TREE LOOP but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Yumiko to ping you on any price or status change →