6647 JILLIAN DRIVE, ST CLOUD, FL, 34773
Active0 days on marketListed Oct 12, 2026MLS #O6449100
About this home
6647 JILLIAN DRIVE
The Monterey floor plan at Cyrene at Harmony in St. Cloud, Florida, offers approximately 1,679 square feet of thoughtfully designed living space with 4 bedrooms, 3 bathrooms, and a 2-car garage. The first floor features an open-concept design that seamlessly connects the kitchen, dining area, and family room, creating a welcoming atmosphere for everyday living and entertaining. The modern kitchen includes a center island, ample cabinet space, and a pantry, providing both functionality and convenience. The first floor also features a bedroom and a full bathroom, offering added flexibility for guests, multigenerational living, or a private home office. Upstairs, the home offers three additional bedrooms, including a spacious primary suite designed for relaxation, along with a shared full bathroom and a conveniently located laundry area. With its versatile layout, additional first-floor bedroom, and open living spaces, the Monterey is an excellent choice first-time homebuyers, or anyone seeking a modern, low-maintenance townhome with flexible living options in the desirable Harmony community.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,679
Sqft
0.07 ac
Lot size
2026
Year built
Two
Levels
$216
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.
$2,721 /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
$2,721/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
+3.6%
Days on market
0 vs 67 typical
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 6647 JILLIAN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6647 JILLIAN DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6647 JILLIAN DRIVE FAQs
What would the monthly payment be for 6647 JILLIAN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,721/mo — principal and interest, the actual property-tax bill, the $250/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 6647 JILLIAN DRIVE?+
The association fee works out to $250 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6647 JILLIAN DRIVE?+
The most recent tax bill on record (2025) was $200. 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 6647 JILLIAN DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $362,490, this home is listed about 16% below the St Cloud median of $429,780. The market section on this page shows how the area is trending.
Which schools are assigned to 6647 JILLIAN DRIVE?+
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
$362,490 runs 21% above the ST CLOUD 34773 median.
02Fresh on the market
Listed today in a St Cloud market that averages 67 — 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.
Listing courtesy of DRB GROUP REALTY, LLC · Adam Schott. MLS #O6449100.
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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