3200 OXBOW COURT, HARMONY, FL, 34773
Active7 days on marketListed Sep 16, 2026MLS #O6442249
About this home
3200 OXBOW COURT
Gorgeous 3/2 Modern Home with a 2 Car Garage in the Highly Desired Enclave at Lakes of Harmony - St Cloud! Available Now! This gated community is designed for outdoor enthusiasts, the vibrant community features two private lakes and fantastic amenities like a resort-style community pool, splashpad, playground, fitness center, basketball courts, parks, picnic areas, and over 12 miles of scenic walking/biking trails. This golf course community offers endless opportunities, you will always have an activity to entertain your family and guests. As you step inside, you are greeted by a welcoming foyer that leads to a spacious open floor plan consisting of 1580 square feet of modern living space enhanced by tile flooring and abundant natural light that fills the space with a warm, calming atmosphere. The heart of this home is the exquisite kitchen, featuring elegant gray wood cabinets, a stylish Soho Halo Grey backsplash, sleek quartz countertops, a kitchen island/breakfast bar, and top-of-the-line stainless steel Whirlpool appliances. Additionally, this gorgeous home offers a laundry room (Washer and Dryer Included) and a spacious 2 car garage with a paved driveway for extra parking. This home features numerous interior upgrades, including a stunning kitchen renovation, elegant Mokuzai Daku tile flooring, and modern amenities such as recessed lighting, matte black ceiling fans, and Moen faucets. The thoughtfully designed floor plan seamlessly blends the main living areas, providing the ultimate retreat for relaxation and comfort. The master suite is a true sanctuary, complete with a generous walk-in closet and a spa-like bathroom boasting luxurious finishes, dual vanities, and a frameless step-in shower. Two spacious guest bedrooms, each with ample closet space, share a well-appointed full bathroom, ensuring convenience for family and guests alike. Outside, a peaceful oasis awaits right from your backyard, offering a serene and picturesque view of the conservation area. The covered patio is perfect for a relaxing evening or outdoor activities with family and friends. Don't miss this incredible opportunity! Ideally located, near top-rated schools and a short drive to Downtown St Cloud, offering a range of shopping, restaurants and entertainment options.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,580
Sqft
0.11 ac
Lot size
2
Garage
2022
Year built
One
Levels
$229
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.
$3,073 /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
$3,073/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
+2.6%
$/sqft vs Harmony actives
$229 vs $199
Days on market
7 vs 47 typical
Where $229/sqft sits among the 41 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)
20 of 41
Harmony actives have cut their price
Median sold price, Harmony, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the HARMONY 34773 median. See the full Harmony market guide →
Paper trail
This home's history
Reality check
What actually sold near 3200 OXBOW COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$305,000
3426 SAGEBRUSH STREET
2 bd · 2 ba · 1,534 sqft · $199/sqft · 55 DOM
Sold · Dec ’25$275,000
3415 SAGEBRUSH STREET
2 bd · 2 ba · 1,637 sqft · $168/sqft · 198 DOM
Sold · Jun ’26$300,000
3436 SAGEBRUSH STREET
2 bd · 2 ba · 1,637 sqft · $183/sqft · 206 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3200 OXBOW COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3200 OXBOW COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3200 OXBOW COURT FAQs
What would the monthly payment be for 3200 OXBOW COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,073/mo — principal and interest, the actual property-tax bill, the $87/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 3200 OXBOW COURT?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3200 OXBOW COURT?+
The most recent tax bill on record (2025) was $6,378. 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 3200 OXBOW COURT?+
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 $362,500, this home is listed about 6% below the Harmony median of $387,350. The market section on this page shows how the area is trending.
Which schools are assigned to 3200 OXBOW COURT?+
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
Four things that matter here
01Positioned at the premium end
$362,500 runs 34% above the HARMONY 34773 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 7 days on market in a Harmony market that averages 47 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Andi Gamble. MLS #O6442249.
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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