Beds
3
Baths
2
Sq Ft
1,970 sq ft
Year Built
2026
Lot Size
0.15 acres
Garage
2
About This Property
Virtually Staged. 7696 BENT TREE LOOP | HARMONY CENTRAL | ST. CLOUD, FLORIDA NEW CONSTRUCTION - $378,900. 3 bedrooms, 2 full baths, 1,970 sq ft. 2-car garage. PROMOTION & CLOSING-COST SAVINGS PRICE REDUCED $45,000; reduction already reflected in the advertised price. Does the builder pay closing costs? Save thousands with builder-paid closing costs using a preferred lender; prepaids excluded. What is the promotion? Free washer, dryer and refrigerator received after closing. $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 November 1, 2026, with no contingencies and a 30-day closing in November 2026. For contracts executed by November 1, 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. HARMONY CENTRAL FAQs 1. Why St. Cloud? New housing, affordability and recreation. 2. Alternative to Lake Nona? Potentially more home for your budget. 3. Medical City distance? Website: about 20 minutes. 4. Under 5% down? Options may exist for qualified borrowers. 5. Buy versus rent? Compare mortgage costs, rent and potential equity. 6. Living in Harmony? Small-town surroundings with modern conveniences. 7. What attracts families? Activities, green spaces and nearby services. 8. Amenities? Pool with cabanas and dog park. Verify access to other Harmony facilities. 9. Schools? Harmony Community, Harmony Middle and Harmony High; verify district assignments. 10. What distinguishes Harmony Central? Master-planned setting and recreation. 11. MCO distance? Website estimates 25 minutes. 12. Downtown Orlando commute? Website estimates 35 minutes. Travel times vary with traffic. 13. Medical City employees? Access to healthcare workplaces. 14. Employers? Healthcare, universities, theme parks, Amazon and schools within commuting distance. 15. Remote work? Bedrooms or available flex space can accommodate work. 16. First-time buyer programs? Assistance may apply. 17. USDA financing? Lender must verify property and borrower eligibility. 18. Income needed? Depends on price, loan, credit and debts. 19. Why new construction? Modern layouts, efficiency and warranties. 20. How to tour? Request an appointment to view this home. Harmony Central has NO CDD; HOA fees and property taxes are separate.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Travel east on US-192 from Narcoossee Road past Harmony High School. Turn left into Harmony Central and follow Bent Tree Loop to 7696 Bent Tree Loop, Lot 16-P.
Location
7696 BENT TREE LOOP, HARMONY, FL 34773
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$378,900
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $378,900 home in HARMONY.
🏛️
FHA Loan
$13,262 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
$18,945 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.