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$382,900

7587 BENT TREE LOOP, ST CLOUD, FL 34773

3D Tour
Active84 days on market

Beds

4

Baths

3

Sq Ft

2,202 sq ft

Year Built

2026

Lot Size

0.11 acres

Garage

2

About This Property

Virtually Staged. **LIMITED-TIME PROMOTION: FREE WASHER, DRYER AND REFRIGERATOR - RECEIVED AFTER CLOSING!** PRICE REDUCED $50,000; reduction already reflected in the advertised price. Imagine coming home to the space of four bedrooms, the convenience of an extra half bath and the comfort and savings of brand-new construction. Welcome to 7587 Bent Tree Loop. Now offered at $382,900, this move-in-ready Adams Home features the spacious 2202A floor plan with 4 bedrooms, 2.5 bathrooms and a two-car garage. The additional half bath makes everyday living and entertaining more convenient, while the fourth bedroom can serve guests, a home office, hobbies or a growing household. The open-concept living area connects naturally to the kitchen, where granite countertops, Whirlpool stainless-steel appliances, generous cabinetry, a large center island and pantry create an inviting place for meals and entertaining. The private primary suite provides a comfortable retreat with generous storage. Harmony Central has NO CDD. Compared with the highest published FY2026 annual CDD assessment of approximately $2,401.90 in certain nearby competing new-home communities, that represents savings of approximately $200 monthly—or approximately $48,038 over 20 years if the assessment remained unchanged. This comparison uses published FY2026 assessments for certain nearby properties; assessments vary by property and may change annually. The 20-year amount is a simple illustration assuming unchanged annual assessments, not guaranteed future savings. HOA fees and other property taxes are separate. Community amenities include a pool with cabanas and a dog park. $15,000 Flex Cash may be used toward eligible purchase expenses or an interest-rate buydown, subject to builder, lender and loan-program terms. New contract must be executed by October 31, 2026, with no contingencies and a 30-day closing in November 2026. Builder-paid closing costs, excluding prepaids, require a preferred lender. A $1,000 contract deposit reserves the home; additional funds may be required at closing. For contracts executed by October 31, 2026, receive a Buyer Credit when working with Acrisure, one of the builder's preferred lenders, subject to eligibility and lender terms. Ask the onsite sales team for complete incentive terms and availability. Schedule your private tour and picture the everyday moments that could begin here.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6414400
StatusActive
Year Built2026
Total Rooms11
ConstructionStucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionHARMONY CENTRAL PH2
CountyOsceola
OwnershipFee Simple
New ConstructionYes

Interior Features

InteriorOpen Floorplan, Pest Guard System, PrimaryBedroom Upstairs, Solid Wood Cabinets, Stone Counters, Thermostat, Walk-In Closet(s)
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Disposal, Microwave, Range
LaundryLaundry Room
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorFrench Doors, Sidewalk, Sprinkler Metered
Lot Size0.11 acres (4,792 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterNone
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$908 / Annually
Senior CommunityNo

Financial Details

List Price$382,900
Original Price$432,900
Annual Taxes$831 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningRES
Parcel #3226323666000N0180

Schools

ElementaryHarmony Community School (K-5)
MiddleHarmony Middle
HighHarmony High

Directions

From Orlando International Airport to Harmony Central: Take SR-528 and exit on S. Naarcoosee Rd and continue for approx. 5 Miles then make a left turn on US-192 East and continue for about 9 miles and look for Harmony Central Entrance signage. As soon as you enter The Model Home will be located on the left side entrance.

Location

7587 BENT TREE LOOP, ST CLOUD, FL 34773

Listing Information

OfficeADAMS HOMES REALTY, INC.
ListedJune 19, 2026

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Preferred Time

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Home Price

$382,900

20% ($76,580)
6.75%

Loan Term

Principal & Interest$1,987
Property Tax (est.)$351
Insurance (est.)$150
Total Monthly$2,488
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $382,900 home in ST CLOUD.

🏛️

FHA Loan

$13,402 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$19,145 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: November 3, 2026.

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