Residential Property - Single Family Residence in St Cloud
Listing Price: $420,000
Description of Property
Major Price Adjustment by 15K! Rare Waterfront Opportunity in Harmony! Look in "Facts and Features" within real estate platforms for Video of home. Buyer Incentive: Seller will contribute .5% of purchase price for Buyer Closing costs. This exceptional 5-bedroom, 3.5-bath home is one of the limited number of residences in Harmony situated directly on the water—offering serene small lake views from both the master suite and the covered lanai. Designed for modern lifestyles, the open-concept layout includes a spacious living area and a versatile upstairs loft and bedrooms with updated flooring perfect for work or play. Windows have been serviced with a 10 year warranty. The first-floor owner’s suite is a private retreat with tranquil water views and direct access to a luxurious in-suite bath that flows seamlessly into the laundry room. The gourmet kitchen is a chef’s dream, featuring granite countertops, stainless steel appliances, a walk-in pantry, and ample space for entertaining. Enjoy the outdoors from your covered lanai, where peaceful water views set the stage for morning coffee or evening relaxation. A 2-car garage and ultra-low HOA fee of just $135/year add value and convenience. This home is nestled in the heart of the master-planned community of Harmony, known for its blend of nature, lifestyle, and community spirit. Residents enjoy exclusive access to a private boat dock and pier, playgrounds, basketball courts, soccer and beach volleyball fields. But that’s just the beginning. Harmony’s Town Center features on-site dining, a golf course, dog groomers, a veterinarian, salon services, and more. The community is enriched by regular events, scenic fishing lakes with docks and pontoons, and a protected nature preserve. Its oak tree–lined streets, low-light design, and over 12 miles of sidewalks and bike paths create a peaceful, walkable environment. Top-rated schools, within walking distance, making this home a standout for families seeking lifestyle, location, and luxury. ?? Showings by appointment only — please schedule 24 hours in advance.
Property Details At A Glance
Property Type: Residential
Property Use or Sub Type: Single Family Residence
City: St Cloud
County: Osceola
Subdivision: Harmony Nbhd H-1
Bedrooms: 5
Bathrooms: 3
Half Baths: 1
Sq. Ft. Gross: 3,072
Sq. Ft. Living Area: 2,465
Cost per (heated) sqare foot: $170
Year built: 2015
Annual Tax: $6,283
HOA Fee: $135 Annually
Other Tax Assessments: $2,745
Taxes and fees can change periodically, and other fees may apply. Please check with your Realtor for more details.
Appliances: Microwave
Window Features: Blinds
Additional Rooms: Family Room
Flooring: Hardwood
Schools
Elementary School: Harmony Community School (K-5)
Middle/Junior High School: Harmony Middle
High School: Harmony High
Pool & Waterfront Info
Private Pool: Not specified
Water Access: Yes
Water Access Type: Lake
Exterior & Construction
Architectural Style: Craftsman
Construction: Wood Frame
Foundation: Slab
Roof: Shingle
Exterior Features: Sidewalk
Garage: Yes
Garage Spaces: 2
Parking Features: Driveway
Floors Total: 2
Floors in Unit: Two
Cooling: Central Air
Heating & Fuel: Electric
Electric:
Patio & Porch Features: Rear Porch
Security Features:
Other Structures:
View: Water
Fencing:
Sewer: Public Sewer
Water Source: Public
Lot Information
Lot Features: Landscaped
Lot Size (acres): 0.12
Lot Size (sq. ft.): 5,227 square feet
Road Frontage: Street Paved
Front Exposure: East
Legal Description & Other Information
Financing Available: VA Loan
Parcel Number: 302632329300010130
Zoning: RESI
Pets Allowed/Pet Policies: Number Limit
Tax Legal Desc.: HARMONY NBHD H-1 PB 23 PG 22-27 LOT 13
Section: 30
Range: 32E
Listing courtesy of EXP REALTY LLC. The information relating to real estate for sale on this website comes in part from the My Florida Regional MLS DBA Stellar MLS. This information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS.

