2807 HARMONIA HAMMOCK ROAD, HARMONY, FL, 34773
Active57 days on marketListed May 27, 2026MLS #S5150719
About this home
2807 HARMONIA HAMMOCK ROAD
Beautiful 4-bedroom, 2-bath home in the desirable Harmony West community of St. Cloud. This move-in ready residence features an open-concept floor plan, bright living areas, elegant cabinetry, stone countertops, a spacious kitchen, 2-car garage, and a generous backyard perfect for relaxing or entertaining. Enjoy resort-style community amenities, including a clubhouse, fitness center, pool, playground, dog park, and walking trails—all with a low HOA fee. Conveniently located near shopping, dining, schools, major roads, Lake Nona, Orlando, and Central Florida’s top attractions. A wonderful opportunity to own a stylish home in one of St. Cloud’s growing communities.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,830
Sqft
0.13 ac
Lot size
2
Garage
2021
Year built
One
Levels
$213
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.
$3,205 /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
$3,205/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.
vs edgeAI estimate
+3.4%
Days on market
57 vs 69 typical
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 Harmony. See the full Harmony guide →
HARMONY 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Harmony market
$412K → $385K
Harmony median sold, yr/yr
98.7%
Sale-to-list ratio (12 mo)
Median sold price, Harmony, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% above the HARMONY 34773 median. See the full Harmony market guide →
Paper trail
This home's history
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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2807 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 2807 HARMONIA HAMMOCK ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
2807 HARMONIA HAMMOCK ROAD FAQs
What would the monthly payment be for 2807 HARMONIA HAMMOCK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,205/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 2807 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 2807 HARMONIA HAMMOCK ROAD?+
The most recent tax bill on record (2025) was $6,476. 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 2807 HARMONIA HAMMOCK ROAD?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 Harmony?+
At $390,000, this home is listed about 1% below the Harmony median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2807 HARMONIA HAMMOCK ROAD?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of LPT REALTY, LLC · Sonia Melo Guirados, LLC. MLS #S5150719.
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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