3113 SONGBIRD CIR, ST CLOUD, FL, 34773
Active102 days on marketListed Apr 12, 2026MLS #S5146996
About this home
3113 SONGBIRD CIR
Welcome to this beautifully maintained home in the sought-after 55+ community of The Lakes in Harmony in Saint Cloud Florida! Featuring 3 bedrooms and 2 bathrooms, this home offers comfort, style, and thoughtful upgrades throughout. The inviting curb appeal includes a paver driveway, walkway, and lush landscaping that creates a warm first impression. Enjoy peaceful mornings or relaxing evenings in the screened in lanai that's perfect for your coffee or quiet retreat. Inside, the open-concept floor plan is ideal for both everyday living and entertaining, with the kitchen serving as the heart of the home. It boasts stainless steel appliances, recessed lighting, beautiful blue glass back splash, a closet pantry, 42" wood cabinets and a large island overlooking the spacious dining and living room combination. Additional upgrades include elegant crown molding, shutters in the main living areas and owner’s suite, and rain gutters for added convenience. The owner’s suite offers a generous walk-in closet, dual sink vanity, and a beautifully appointed walk-in shower. The laundry room is oversized, you can even use it as an office space or craft room! It also has plenty of cabinets and a utility sink. The 2-car garage features durable epoxy flooring, adding both function and style. This home truly blends comfort and low-maintenance living in a vibrant, active community. Don’t miss your opportunity to make it yours! Enjoy all of the amenities; new dog park, an amenity center with a zero entry pool, fireplace, community gathering room, activities room, private gym, tennis and pickle ball courts, boating, walking trails and a golf course which comes with 24 rounds of golf and other discounts for The Lakes Residents! The Association takes care of yard maintenance, exterior pest control and security gate. Located in the desirable community of Harmony. Living in Harmony you are close to Golf Course, coffee shop, pizza & Mexican restaurant. Close to amenities including Buck Lake with community boats and a fishing pier, scenic rocking chairs and bench swings, miles of walking trails, dog parks, playgrounds, a fitness center, two sparkling pools, and more. Harmony is close to Orlando International Airport and the East Coast Beaches. Don’t miss your chance to call this move-in ready home yours! Schedule your private showing today! Buyer to verify all room measurements.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,876
Sqft
0.11 ac
Lot size
2
Garage
2021
Year built
One
Levels
$205
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.
$3,366 /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
$3,366/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
+3.2%
$/sqft vs St Cloud actives
$205 vs $221
Days on market
102 vs 33 typical
Where $205/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 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)
194 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 22% 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 3113 SONGBIRD CIR
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$265,000
3607 CLAY BRICK ROAD UNIT 54C
3 bd · 2.5 ba · 1,855 sqft · $143/sqft · 10 DOM
Sold · Jan ’26$265,000
7130 RED LANTERN DRIVE
3 bd · 2.5 ba · 1,855 sqft · $143/sqft · 18 DOM
Sold · Apr ’26$271,000
7123 RED LANTERN DRIVE
3 bd · 2.5 ba · 1,855 sqft · $146/sqft · 15 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 3113 SONGBIRD CIR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3113 SONGBIRD CIR — 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
3113 SONGBIRD CIR FAQs
What would the monthly payment be for 3113 SONGBIRD CIR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,366/mo — principal and interest, the actual property-tax bill, the $252/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 3113 SONGBIRD CIR?+
The association fee works out to $252 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3113 SONGBIRD CIR?+
The most recent tax bill on record (2025) was $6,204. 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 3113 SONGBIRD CIR?+
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 $385,000, this home is listed about 9% 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 3113 SONGBIRD CIR?+
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
$385,000 runs 22% above the ST CLOUD 34773 median.
02Time on market is leverage
102 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 $399,900, now $385,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN CONNECT LLC · Jeanine Corcoran. MLS #S5146996.
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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