3128 SONGBIRD CIR, HARMONY, FL, 34773
Active6 days on marketListed Aug 20, 2026MLS #O6435144
About this home
3128 SONGBIRD CIR
Virtually Staged. BETTER THAN NEW! This METICULOUSLY MAINTAINED home sits on a PREMIUM CORNER LOT in Harmony’s Lakes active 55+ community, offering a peaceful setting SURROUNDED BY NATURE and an IMPRESSIVE COLLECTION of RESORT-STYLE AMENITIES. Imagine taking a fishing or pontoon boat out on the lake after a round of golf , a game of tennis or pickleball, or a swim in the zero-entry pool! Then come home to private retreat featuring tile and LVP flooring run throughout, quartz countertops, custom window treatments, and a screened lanai creating a comfortable outdoor living area. Residents enjoy access to two heated pools, fitness and activity centers, pickleball and tennis, golf, and 12 miles of scenic trails, plus a private lake with kayaks, fishing, and pontoon boats available at no charge by reservation. Located less than a quarter mile from the Lakes Clubhouse and amenities, this gated, golf-cart-accessible community offers an exceptional lifestyle surrounded by permanent open space and natural beauty.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,408
Sqft
0.13 ac
Lot size
2
Garage
2022
Year built
One
Levels
$240
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.
$3,173 /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
$3,173/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.
$/sqft vs Harmony actives
$240 vs $204
Days on market
6 vs 47 typical
Where $240/sqft sits among the 45 Harmony 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 Harmony
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Harmony. See the full Harmony guide →
HARMONY 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 Harmony market
$409K → $380K
Harmony median sold, yr/yr
98.8%
Sale-to-list ratio (12 mo)
24 of 45
Harmony actives have cut their price
Median sold price, Harmony, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% above the HARMONY 34773 median. See the full Harmony market guide →
Paper trail
This home's history
Reality check
What actually sold near 3128 SONGBIRD CIR
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$375,000
3168 SONGBIRD CIRCLE · same community
3 bd · 2 ba · 1,850 sqft · $203/sqft · 143 DOM
Sold · Jan ’26$385,000
7529 CASTLEWOOD COURT · same community
3 bd · 2 ba · 1,852 sqft · $208/sqft · 86 DOM
Sold · Jul ’26$405,000
3273 SONGBIRD CIRCLE · same community
3 bd · 3 ba · 1,955 sqft · $207/sqft · 54 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3128 SONGBIRD CIR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3128 SONGBIRD CIR — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3128 SONGBIRD CIR FAQs
What would the monthly payment be for 3128 SONGBIRD CIR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,173/mo — principal and interest, the actual property-tax bill, the $381/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 3128 SONGBIRD CIR?+
The association fee works out to $381 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3128 SONGBIRD CIR?+
The most recent tax bill on record (2025) was $5,952. 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 3128 SONGBIRD CIR?+
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 Harmony?+
At $337,500, this home is listed about 13% below the Harmony median of $387,350. The market section on this page shows how the area is trending.
Which schools are assigned to 3128 SONGBIRD CIR?+
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
Three things that matter here
01Positioned at the premium end
$337,500 runs 10% above the HARMONY 34773 median.
02Fresh on the market
Only 6 days on market in a Harmony market that averages 47 — if it fits, move quickly.
03Strong assigned schools
Harmony Community School, Harmony High 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 ORCHARD BROKERAGE, LLC · Jamey Briscoe. MLS #O6435144.
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 Harmony homes, in your inbox
Like 3128 SONGBIRD CIR but not quite? A daily digest of every new listing in Harmony — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Alek to ping you on any price or status change →