2541 HARMONIA HAMMOCK ROAD, ST CLOUD, FL, 34773
Active141 days on marketListed Mar 2, 2026MLS #O6386837
About this home
2541 HARMONIA HAMMOCK ROAD
This popular one-story home offers 3 bedrooms, 2 bathrooms, and a 2-car garage with 1,672 square feet of thoughtfully designed living space. The open-concept layout seamlessly connects the living room, dining area, and kitchen—perfect for entertaining or everyday living. The kitchen is a standout feature, showcasing granite countertops, stainless steel appliances, a spacious pantry, and a large center island ideal for meal prep and gathering. Natural light fills the spacious living area, creating a bright and welcoming atmosphere. The private primary suite, located at the rear of the home, features an ensuite bathroom with dual sinks, a separate shower, and a generous walk-in closet. Two additional well-sized bedrooms share a beautifully appointed full bathroom, offering flexibility for guests, family, or a home office. The laundry room is conveniently located near all bedrooms for added ease. Built with durable concrete block construction, this home also includes smart home technology, allowing you to control features from your smart devices. Residents enjoy access to premium community amenities, including a resort-style pool, playground, and fitness center, enhancing the lifestyle this home offers.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,676
Sqft
0.16 ac
Lot size
2
Garage
2023
Year built
One
Levels
$239
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.
$3,259 /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
$3,259/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
+11.7%
$/sqft vs St Cloud actives
$239 vs $220
Days on market
141 vs 33 typical
Where $239/sqft sits among the 400 St Cloud 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 St Cloud
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 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 St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
191 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2541 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 · Dec ’25$378,990
2947 HOUSE FINCH
4 bd · 2 ba · 1,665 sqft · $228/sqft · 20 DOM
Sold · Sep ’25$382,990
2969 ELIO HAMMOCK
4 bd · 2 ba · 1,665 sqft · $230/sqft · 20 DOM
Sold · Feb ’26$377,990
2965 HOUSE FINCH ROAD
4 bd · 2 ba · 1,665 sqft · $227/sqft · 26 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 2541 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 2541 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
2541 HARMONIA HAMMOCK ROAD FAQs
What would the monthly payment be for 2541 HARMONIA HAMMOCK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,259/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 2541 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 2541 HARMONIA HAMMOCK ROAD?+
The most recent tax bill on record (2025) was $6,366. 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 2541 HARMONIA HAMMOCK ROAD?+
The listing reports pets: Yes. 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 St Cloud?+
At $400,000, this home is listed about 6% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2541 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
Four things that matter here
01Positioned at the premium end
$400,000 runs 31% above the ST CLOUD 34773 median.
02Time on market is leverage
141 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $410,000, now $400,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LOVEJOY PROFESSIONAL REALTY, INC · Paul Chisholm. MLS #O6386837.
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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