6943 FIVE OAKS DRIVE, HARMONY, FL, 34773
Active37 days on marketListed Jun 12, 2026MLS #O6416430
About this home
6943 FIVE OAKS DRIVE
Enjoy resort-style living in this almost new 4 bedroom, 2.5 bathroom townhouse with an oversized 2 car garage located in Harmony Isle. Elegant high-end finishes can be discovered throughout the home. 42'' cabinetry, quartz counters, stainless steel appliances, tiled showers, dual vanities, upgraded lighting & flooring. Community amenities include 3 pools, clubhouse, fitness center, splash pad, playgrounds, nature trails, kayaking/canoeing, soccer field, courts for basketball, sand-volleyball, shuffleboard, pickleball; dog parks, +260 acre Harmony Golf Preserve. Top-rated public schools. Convenient to retail, restaurants, medical, attractions, beaches & airports.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
1,961
Sqft
0.08 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$191
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.
$3,214 /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
$3,214/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.
$/sqft vs Harmony actives
$191 vs $200
Days on market
37 vs 69 typical
Where $191/sqft sits among the 51 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
Get to know Harmony. See the full Harmony guide →
Harmony — neighborhood snapshot
Population
3,988
Median age
37
Median income
$78,260
Median home value
$354,100
Avg household
3
Households w/ children
524
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)
22 of 51
Harmony actives have cut their price
Median sold price, Harmony, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the HARMONY 34773 median. See the full Harmony market guide →
Paper trail
This home's history
Reality check
What actually sold near 6943 FIVE OAKS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$399,000
3320 GRANDE HERON DRIVE · same community
5 bd · 3.5 ba · 2,465 sqft · $162/sqft · 65 DOM
Sold · Dec ’25$349,499
6935 FIVE OAKS DRIVE
4 bd · 2.5 ba · 1,960 sqft · $178/sqft · 57 DOM
Sold · May ’26$395,000
3320 CORDGRASS PL
3 bd · 2 ba · 1,957 sqft · $202/sqft · 10 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 6943 FIVE OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6943 FIVE OAKS DRIVE — 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
6943 FIVE OAKS DRIVE FAQs
What would the monthly payment be for 6943 FIVE OAKS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,214/mo — principal and interest, the actual property-tax bill, the $190/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 6943 FIVE OAKS DRIVE?+
The association fee works out to $190 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6943 FIVE OAKS DRIVE?+
The most recent tax bill on record (2025) was $5,892. 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 6943 FIVE OAKS DRIVE?+
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 Harmony?+
At $375,000, this home is listed about 5% below the Harmony median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6943 FIVE OAKS DRIVE?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$375,000 runs 19% above the HARMONY 34773 median.
02Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $389,000, now $375,000 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KARR PROFESSIONAL GROUP P.A · Richard Karr, Jr. MLS #O6416430.
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.
Never miss a listing
New Harmony homes, in your inbox
Like 6943 FIVE OAKS DRIVE but not quite? A daily digest of every new listing in Harmony — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →