2540 HARMONIA HAMMOCK ROAD, HARMONY, FL, 34773
Active278 days on marketListed Oct 18, 2025MLS #O6353734
About this home
2540 HARMONIA HAMMOCK ROAD
Beautiful 5BR Home | Premium Conservation Lot | Loaded with Upgrades! Welcome to this stunning 5-bedroom, 3 bath home located in the desirable Harmony West community! Situated on a large premium lot backing to a peaceful conservation area, this open-concept home offers both privacy and modern living. CDD TAXES ARE INCLUDED IN THE PROPETY TAXES. Main Features: • First-floor bedroom with nearby full bath – ideal for guests or in-laws • Gourmet kitchen with Quartz countertops, stainless steel appliances, breakfast bar, and a large walk-in pantry • Versatile flex room – perfect for a home office, gym, or playroom • Upstairs owner’s suite with dual walk-in closets and a spacious en-suite bath • Three additional bedrooms on second floor, full bath, and a large loft for extra living space Owner-Upgraded Highlights: • Plantation shutters throughout • Stylish lighting & ceiling fans • Epoxy-coated garage floor • Water softener system • Gutters • Oversized brick patio in the backyard – great for entertaining Community Amenities: Just a short walk to Harmony West’s 5,000 sq. ft. resort-style pool, sun shelf, splash pad, fitness center, and clubhouse. Don’t miss this move-in-ready gem—schedule your private showing today!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,626
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$173
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.
$3,559 /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
$3,559/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
Right at the estimate
$/sqft vs Harmony actives
$173 vs $200
Days on market
278 vs 69 typical
Where $173/sqft sits among the 48 Harmony 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 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)
25 of 48
Harmony actives have cut their price
Median sold price, Harmony, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 46% above the HARMONY 34773 median. See the full Harmony market guide →
Paper trail
This home's history
Reality check
What actually sold near 2540 HARMONIA HAMMOCK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$449,990
2797 HOUSE FINCH ROAD
5 bd · 3 ba · 2,601 sqft · $173/sqft · 61 DOM
Sold · Nov ’25$454,990
2786 HOUSE FINCH ROAD
5 bd · 3 ba · 2,601 sqft · $175/sqft · 67 DOM
Sold · Dec ’25$434,990
2815 HOUSE FINCH ROAD
5 bd · 3 ba · 2,601 sqft · $167/sqft · 38 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2540 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 2540 HARMONIA HAMMOCK ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2540 HARMONIA HAMMOCK ROAD FAQs
What would the monthly payment be for 2540 HARMONIA HAMMOCK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,559/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 2540 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 2540 HARMONIA HAMMOCK ROAD?+
The most recent tax bill on record (2024) was $5,859. 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 2540 HARMONIA HAMMOCK ROAD?+
The listing reports pets: 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 $454,000, this home is listed about 15% above the Harmony median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2540 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.
The brief
Five things that matter here
01Positioned at the premium end
$454,000 runs 46% above the HARMONY 34773 median — but at 2,626 sqft it's also 37% larger than the typical Harmony listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
278 days on market against a Harmony median of 69 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $455,000, now $454,000 — a $1K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMESMART · Jamie Andrychowski. MLS #O6353734.
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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