3214 NEEDLEGRASS LANE, HARMONY, FL, 34773
Active15 days on marketListed Jul 8, 2026MLS #S5151697
About this home
3214 NEEDLEGRASS LANE
RARE OPPORTUNITY! Enjoy the added value of a FULLY PAID-OFF CDD Bond and Solar System. Ideally located in HARMONY MAIN, the original and established area of Harmony, this one-owner former LifeStyle Homes Grand Cayman Builder Model has been meticulously maintained and offers premium finishes, thoughtful upgrades, and exceptional craftsmanship throughout. This beautiful home is perfectly situated on a PREMIUM CORNER LOT overlooking a tranquil pond in the award-winning Harmony community. Featuring 3 bedrooms, 3 full bathrooms, and an expansive PRIVATE UPSTAIRS BONUS ROOM with a full bath, creates a versatile living space with flexibility as a media room, game room, home office, guest suite, or potential 4th BEDROOM. This home offers the perfect blend of comfort, flexibility, and energy efficiency. The open-concept floor plan is designed for everyday living and entertaining, highlighted by a spacious kitchen with a large center island, abundant cabinetry, and seamless flow into the living and dining areas. LARGE POCKET SLIDING GLASS DOORS OPEN WIDE TO THE COVERED, FULLY SCREENED LANAI, creating a beautiful indoor-outdoor living experience and showcasing PEACEFUL POND VIEWS. Enjoy your morning coffee on the charming front porch, relax on the screened lanai overlooking the water, or take a golf cart or bike ride to nearby Buck Lake, playgrounds, parks, walking trails, fishing piers, basketball and volleyball courts, and the community splash pad. A neighborhood park and dog-friendly green space are just steps away. Experience the award-winning Harmony lifestyle with exceptional community amenities, including the 18-hole Harmony Golf Preserve, over 12 miles of scenic trails, two resort-style pools, dog parks, a vibrant Town Square featuring shops and restaurants, and highly rated schools. With a paid-off CDD bond, a paid-off solar system, one-owner history, a premium corner lot, pond views, and one of Harmony's most desirable floor plans, this home offers a lifestyle that is hard to find and easy to love. Conveniently located near top-rated schools, shopping, dining, Lake Nona, Orlando International Airport, major highways, and Florida's beaches, this exceptional home offers the perfect opportunity to enjoy everything Harmony has to offer. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,451
Sqft
0.17 ac
Lot size
2
Garage
2012
Year built
One
Levels
$194
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.
$3,595 /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
$3,595/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
+13%
Days on market
15 vs 69 typical
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 — 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)
Median sold price, Harmony, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% above the HARMONY 34773 median. See the full Harmony market guide →
Paper trail
This home's history
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 3214 NEEDLEGRASS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3214 NEEDLEGRASS LANE — 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
3214 NEEDLEGRASS LANE FAQs
What would the monthly payment be for 3214 NEEDLEGRASS LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,595/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 3214 NEEDLEGRASS LANE?+
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 3214 NEEDLEGRASS LANE?+
The most recent tax bill on record (2025) was $5,043. 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 3214 NEEDLEGRASS LANE?+
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 $474,900, this home is listed about 20% above the Harmony median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3214 NEEDLEGRASS LANE?+
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
$474,900 runs 53% above the HARMONY 34773 median — but at 2,451 sqft it's also 28% larger than the typical Harmony listing.
02Park/Greenbelt & Water views
The park/greenbelt and water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Charles Hendricks. MLS #S5151697.
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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