3500 SEBASTIAN BRIDGE LANE, ST CLOUD, FL, 34773
Active21 days on marketListed Aug 30, 2026MLS #S5156601
About this home
3500 SEBASTIAN BRIDGE LANE
There is no reason to keep looking or waiting, this spectacular can be yours today! What an amazing home located in the tremendous Harmony community in St. Cloud, enjoy all the peace and serenity in this truly one of a kind community where you can also play golf as well as anything you would ever want or need nearby: from several restaurants and shopping centers to luxury amenities such as athletic fields and courts and so much more; it is like living in a small private town! The home itself is also a beauty, being an end unit two story townhome while still being cozy and stylish thanks to special features. The kitchen is an excellent example, the matcha cabinets sync perfectly with the snowy granite countertops, creating a harmonious and gorgeous kitchen. The open floor plan also makes the home quite welcoming, both the first and second floors have lots of room for everyone thanks to the loft on the second floor and four bedrooms the property has. Another dazzling feature is the screened patio, take in natural sunlight as you relax. The Harmony community can not be understated, it is one of the best places to live in all of Florida! There’s also docks where you can enjoy the water, private pools, playgrounds, trails, dog parks, a fitness center, and more; there is too much to mention! Stop waiting around and come make this home yours today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,085
Sqft
0.1 ac
Lot size
2
Garage
2014
Year built
Two
Levels
$161
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.
$2,939 /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
$2,939/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 St Cloud actives
$161 vs $217
Days on market
21 vs 47 typical
Where $161/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 Harmony
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
Harmony — neighborhood snapshot
Population
3,988
Median age
37
Median income
$78,260
Median home value
$354,100
Avg household
3
Households w/ children
524
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 → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
245 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 12% 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 3500 SEBASTIAN BRIDGE LANE
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$350,000
3519 CLAY BRICK ROAD · same community
4 bd · 2.5 ba · 2,085 sqft · $168/sqft · 10 DOM
Sold · Aug ’26$260,000
7105 RED LANTERN DRIVE UNIT 13C · same community
3 bd · 2.5 ba · 1,855 sqft · $140/sqft · 119 DOM
Sold · May ’26$207,500
3555 CLAY BRICK ROAD UNIT 46A · same community
2 bd · 2 ba · 1,316 sqft · $158/sqft · 39 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 3500 SEBASTIAN BRIDGE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3500 SEBASTIAN BRIDGE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3500 SEBASTIAN BRIDGE LANE FAQs
What would the monthly payment be for 3500 SEBASTIAN BRIDGE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,939/mo — principal and interest, the actual property-tax bill, the $287/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 3500 SEBASTIAN BRIDGE LANE?+
The association fee works out to $287 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3500 SEBASTIAN BRIDGE LANE?+
The most recent tax bill on record (2025) was $4,460. 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 3500 SEBASTIAN BRIDGE LANE?+
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 $335,000, this home is listed about 22% 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 3500 SEBASTIAN BRIDGE LANE?+
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
$335,000 runs 12% above the ST CLOUD 34773 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
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 REMAX PREMIER PROPERTIES · Blanca Armada. MLS #S5156601.
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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