2962 HARLOW AVENUE, ST CLOUD, FL, 34772
Active131 days on marketListed Mar 26, 2026MLS #O6392777
About this home
2962 HARLOW AVENUE
BACK ON MARKET, BUYER UNABLE CLOSE | PRICE BELOW VA APPRAISAL | NEW A/C 2025 | $40K+ IN UPGRADES | EXPANDED PAVER PATIO | COVERED OUTDOOR LIVING AREA | HURRICANE PANELS INCLUDED. Move-in ready and meticulously maintained, this 3-bedroom, 2-bath home offers a rare combination of meaningful upgrades, privacy, and exceptional outdoor living. The previous buyer was unable to complete the purchase due to financial circumstances, creating a new opportunity for qualified buyers. One of the home’s standout features is the backyard: an EXPANDED PAVER PATIO, FULL PVC PRIVACY FENCE, screened lanai, and CUSTOM COVERED OUTDOOR LIVING AREA complete with ceiling fans, lighting, and blackout curtains—creating an ideal space for entertaining, outdoor dining, and year-round Florida living. Inside, you’ll find a bright split-bedroom floor plan, quartz countertops and backsplash, stainless steel appliances, luxury vinyl flooring, tastefully refreshed bathrooms with updated lighting, fixtures, and decorative accent features, and a spacious primary suite overlooking the backyard with dual sinks, a soaking tub, separate shower, and walk-in closet. Additional highlights include a NEW A/C SYSTEM (2025), beautiful pond views, a two-car garage, and a COMPLETE HURRICANE PROTECTION PACKAGE with CUSTOM-FITTED ALUMINUM PANELS for all exterior-facing openings. Designed specifically for the home, these lightweight yet durable panels are easy to store, handle, and install when needed, providing reliable storm protection and valuable peace of mind during Florida’s storm season. The complete hurricane protection package will convey with the property. Conveniently located close to grocery stores, pharmacies, shopping, dining, and everyday conveniences, with easy access to NARCOOSSEE ROAD, FLORIDA’S TURNPIKE, ORLANDO INTERNATIONAL AIRPORT, Lake Nona, downtown Orlando, and Central Florida’s most popular attractions. Last picture was digitally enhanced and virtually staged for illustrative purposes. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,527
Sqft
0.16 ac
Lot size
2
Garage
2018
Year built
One
Levels
$232
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.
$2,969 /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
$2,969/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
−10.5%
$/sqft vs St Cloud actives
$232 vs $219
Days on market
131 vs 43 typical
Where $232/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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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
$412K → $406K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
212 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 4% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2962 HARLOW AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$350,000
4623 CALUMET DRIVE · same community
4 bd · 2 ba · 1,686 sqft · $208/sqft · 4 DOM
Sold · Mar ’26$365,000
4651 CALUMET DRIVE · same community
4 bd · 2 ba · 1,723 sqft · $212/sqft · 162 DOM
Sold · Oct ’25$379,990
2894 HARLOW AVENUE · same community
4 bd · 2 ba · 1,987 sqft · $191/sqft · 20 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 2962 HARLOW AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2962 HARLOW AVENUE — 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
2962 HARLOW AVENUE FAQs
What would the monthly payment be for 2962 HARLOW AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,969/mo — principal and interest, the actual property-tax bill, the $9/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 2962 HARLOW AVENUE?+
The association fee works out to $9 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2962 HARLOW AVENUE?+
The most recent tax bill on record (2025) was $6,679. 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 2962 HARLOW AVENUE?+
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 $354,500, this home is listed about 17% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2962 HARLOW AVENUE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST CLOUD 34772 market on paper
$354,500 is 4% below the ST CLOUD 34772 median of $370,000, and at $232/sqft it sits under the St Cloud average of $236.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
131 days on market against a St Cloud median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $368,000, now $354,500 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY INVESTMENTS · Patricia Camacho. MLS #O6392777.
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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