2835 HARMONIA HAMMOCK ROAD, ST CLOUD, FL, 34773
Active23 days on marketListed Oct 15, 2026MLS #O6450094
About this home
2835 HARMONIA HAMMOCK ROAD
Make your next move with $12,000 toward closing costs, plus an additional brokerage credit of your loan amount when financing through the preferred lender. Incentives are subject to the terms and limitations below. Welcome to 2835 Harmonia Hammock Road in St. Cloud, where an open layout, a spacious kitchen, and inviting gathering spaces bring everyday comfort together. The kitchen anchors the main living area with granite countertops, stainless steel appliances, ample cabinetry, and a generous island with seating. Its connection to the dining and living areas makes everything from morning coffee to dinner with guests feel effortless. Neutral tile flooring throughout the main living areas offers a clean backdrop for your personal style, complemented by recessed lighting. Sliding glass doors lead to the backyard, providing space for outdoor relaxation, dining, or your next landscaping project. The two-story layout offers flexibility for everyday living, while an attached two-car garage and spacious driveway add practical convenience. Schedule your private showing today and request the details on both closing-cost incentives.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,626
Sqft
0.13 ac
Lot size
2021
Year built
Two
Levels
$175
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.
$4,161 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,161/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+14.5%
$/sqft vs St Cloud actives
$175 vs $211
Days on market
23 vs 53 typical
Where $175/sqft sits among the 400 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
5,816
Median age
37.8
Median income
$80,524
Median home value
$362,900
Avg household
3.04
Households w/ children
734
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
205 of 400
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 53% 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 2835 HARMONIA 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 · Jul ’26$350,000
2810 HARMONIA HAMMOCK ROAD · same community
4 bd · 2 ba · 1,830 sqft · $191/sqft · 62 DOM
Sold · Dec ’25$359,000
2839 HARMONIA HAMMOCK ROAD · same community
4 bd · 2 ba · 1,830 sqft · $196/sqft · 51 DOM
Sold · Nov ’25$330,000
6756 HUNTLEIGH HAMMOCK ROAD · same community
3 bd · 2 ba · 1,620 sqft · $204/sqft · 89 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 2835 HARMONIA HAMMOCK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2835 HARMONIA HAMMOCK ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2835 HARMONIA HAMMOCK ROAD FAQs
What would the monthly payment be for 2835 HARMONIA HAMMOCK ROAD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,161/mo — principal and interest, the actual property-tax bill, the $37/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 2835 HARMONIA HAMMOCK ROAD?+
The association fee works out to $37 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2835 HARMONIA HAMMOCK ROAD?+
The most recent tax bill on record (2025) was $7,225. 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 2835 HARMONIA 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 $460,000, this home is listed about 9% above the St Cloud median of $420,240. The market section on this page shows how the area is trending.
Which schools are assigned to 2835 HARMONIA 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.
Keep looking
Similar homes nearby
Listing courtesy of LEGENDS REAL ESTATE PROFESSIONALS, INC · Rafael Rodriguez Cordova. MLS #O6450094.
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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