6776 HUNTLEIGH HAMMOCK ROAD, ST CLOUD, FL, 34773
Active2 days on marketListed Oct 8, 2026MLS #O6447567
About this home
6776 HUNTLEIGH HAMMOCK ROAD
*** ASSUMABLE VA LOAN 4.75%*** Step into the effortless style of this beautifully appointed 2022-built home in the desirable Villages at Harmony. From the moment you enter, the bright, airy interior & open-concept design create an inviting atmosphere that truly feels like a model home with tile throughout. The split-bedroom floor plan offers both privacy and functionality, while the spacious kitchen takes center stage with a large island, stainless steel appliances and generous walk-in pantry—perfect for everyday living and entertaining. Outside will you enjoy your own private retreat featuring an expansive brick-paver patio with pergola, upgraded landscaping and irrigation, creating the perfect setting for morning coffee, outdoor dining or entertaining guests. A 2-car garage has a portion of the garage that is converted to an enclosed bonus room w/ ac that can be an office, man-cave, or can even be reverted back easily. Residents of the Villages at Harmony enjoy an impressive array of amenities, including a large clubhouse, community pool with splash pad, playground, pavilion and more. Furnishings are negotiable, offering the opportunity for a truly turnkey purchase. Adding even more value is the opportunity to assume the existing VA loan at an attractive 4.75% interest rate, subject to lender approval and buyer eligibility. The property also has SOLAR PANELS that have a balance but a low monthly payment with a super low utility bill is $22/month. Beautifully maintained, thoughtfully designed and move-in ready—this Harmony home is one you won't want to miss!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,649
Sqft
0.11 ac
Lot size
2022
Year built
One
Levels
$215
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.
$2,668 /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
$2,668/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
+3.2%
$/sqft vs St Cloud actives
$215 vs $212
Days on market
2 vs 65 typical
Where $215/sqft sits among the 399 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)
230 of 399
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 18% 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 6776 HUNTLEIGH HAMMOCK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$290,000
6767 GRACE HAMMOCK RD · same community
3 bd · 2 ba · 1,670 sqft · $174/sqft · 6 DOM
Sold · Sep ’26$315,000
6784 HUNTLEIGH HAMMOCK ROAD · same community
3 bd · 2 ba · 1,620 sqft · $194/sqft · 33 DOM
Sold · Dec ’25$378,990
2947 HOUSE FINCH
4 bd · 2 ba · 1,665 sqft · $228/sqft · 20 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 6776 HUNTLEIGH HAMMOCK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6776 HUNTLEIGH HAMMOCK ROAD — 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
6776 HUNTLEIGH HAMMOCK ROAD FAQs
What would the monthly payment be for 6776 HUNTLEIGH HAMMOCK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,668/mo — principal and interest, the actual property-tax bill, the $44/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 6776 HUNTLEIGH HAMMOCK ROAD?+
The association fee works out to $44 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6776 HUNTLEIGH HAMMOCK ROAD?+
The most recent tax bill on record (2025) was $2,605. 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 6776 HUNTLEIGH HAMMOCK ROAD?+
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 $355,000, this home is listed about 17% 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 6776 HUNTLEIGH HAMMOCK ROAD?+
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
$355,000 runs 18% above the ST CLOUD 34773 median.
02Fresh on the market
Only 2 days on market in a St Cloud market that averages 65 — 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 EXP REALTY LLC · Martha Grasty. MLS #O6447567.
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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