7648 BENT TREE LOOP Saint Cloud, FL $ 362,900
7648 BENT TREE LOOP
$ 362,900
New Construction
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7648 BENT TREE LOOP

Saint Cloud, FL, 34771
$ 362,900
Bedrooms4 Baths2.0 Sq 1,820

Monthly Estimate*

$ 2,506

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Single Family Home for sale in Saint Cloud, FL

for $362,900 with 4 bedrooms and 2 full baths. This 1,820 square foot home was built in 2026 on a lot size of 0.14.

**LIMITED-TIME PROMOTION: FREE WASHER, DRYER AND REFRIGERATOR - RECEIVED AFTER CLOSING!** PRICE REDUCED $50,000; reduction already reflected in the advertised price. Imagine coming home to four bedrooms, comfortable one-story living, along with the savings of brand-new construction. Welcome to 7648 Bent Tree Loop. Now offered at $362,900, this move-in-ready Adams Home features 1,820 square feet, 4 bedrooms, 2 bathrooms and a two-car garage. The fourth bedroom provides valuable flexibility for guests, a home office, hobbies or a growing household. The bright open-concept living area connects naturally to a spacious kitchen with granite countertops, Whirlpool stainless-steel appliances, generous cabinetry, a breakfast bar and pantry. Harmony Central has NO CDD. Compared with the highest published FY2026 annual CDD assessment of approximately $2,401.90 in certain nearby competing new-home communities, that represents savings of approximately $200 monthly—or approximately $48,038 over 20 years if the assessment remained unchanged. This comparison uses published FY2026 assessments for certain nearby properties; assessments vary by property and may change annually. The 20-year amount is a simple illustration assuming unchanged annual assessments, not guaranteed future savings. HOA fees and other property taxes are separate. Community amenities include a pool with cabanas and a dog park. $10,000 Flex Cash may be used toward eligible purchase expenses or an interest-rate buydown, subject to builder, lender and loan-program terms. New contract must be executed by October 31, 2026, with no contingencies and a 30-day closing in November 2026. Builder-paid closing costs, excluding prepaids, require a preferred lender. A $1,000 contract deposit reserves the home; additional funds may be required at closing. For contracts executed by October 31, 2026, receive a 1% Buyer Credit when working with Acrisure, one of the builder's preferred lenders, subject to eligibility and lender terms. Ask the onsite sales team for complete incentive terms and availability. Schedule your private tour and picture the everyday moments that could begin here. FHA FINANCING: Estimated initial principal and interest (P&I) $1,910.66/month for months 1-60 at 4.99% initial interest rate, 6.216% APR, through Acrisure. Based on $362,900 price, 3.5% down, financed 1.75% upfront FHA mortgage insurance and a 360-month term. This 5/1 ARM adjusts annually after year 5; rate/payment may increase. Rate caps: 1% first adjustment, 1% annually, 5% lifetime; maximum rate 9.99%. APR may increase after closing. Taxes, homeowners insurance, monthly mortgage insurance, HOA and any CDD charges are additional; total payment will be higher. Owner-occupied primary residence, minimum 640 credit score, subject to credit/loan approval, available funds, rate lock and commitment expiration. Ask sales team/lender for complete terms.

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Single Family Active

Price

$ 362,900

Bedrooms

4

Full Bath

2

Property Type

Single Family

Taxes

$ 831

Style

Single Family Residence

Lot Size

0.14

Year Built

2026

Town/City

Saint Cloud

County/Region

Osceola

MLS | Web ID

O6416153

Features
General
Sewer Private Sewer
Heating Electric
Cooling Central Air
Utilities Cable Available Electricity Available
Roof Shingle
Appliances Dishwasher Microwave Range
Zoning X
HOA Fee 68
Garage Spaces 2
Construction Materials Block Concrete
Pets Allowed Cats OK Dogs OK
Year Built 2026
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Assoc Fee Paid Per Monthly
County Osceola
New Construction true
Property Type Residential
Attached Garage true
Subdivision Name HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK P LOT 8
Facing Direction Southwest
Garage Y/N true
Total Rooms 7
Full Baths 2
Status Active
Directions From Orlando International Airport (MCO): Take FL-528 East (Beachline Expressway) for about 8 miles. Merge onto Florida’s Turnpike South or US-192 East. Follow US-192 East through St. Cloud then continue ~10 miles to reach Harmony Central.
High School Harmony High
City ST CLOUD
Association Name Pedro Gutierrez
Senior Community Y/N false
MLS Area 34771 - St Cloud (Magnolia Square)
Lot Size Units Square Feet
Lot Size Square Feet 6098
Carport Y/N false
Elementary School Harmony Community School (K-5)
Land Lease Y/N false
Tax Annual Amount 831
Middle/Junior High School Harmony Middle
Property Condition Completed
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.propertypanorama.com/instaview/stellar/O6416153
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Vacant
Tax Lot 8
Legal Description HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK P LOT 8
Minimum Lease 8-12 Months
Water Access Y/N false
Monthly HOA Amount 68
Water View Y/N false
Flood Zone Code X500
In Law Suite YN false
Flood Zone Code X500 Y
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Interior
Interior Amenities Ceiling Fan(s)
Flooring Carpet Ceramic Tile
Furnished Y/N Unfurnished
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Half Baths 0
Laundry Features Inside
Total Bedrooms 4
Total Baths 2
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Exterior
Exterior Amenities Balcony Garden
Water Source Private
Lot Size Area 6098
Foundation Details Concrete Perimeter
Building Area Total 2189
Lot Size Acres 0.14
Road Surface Type Asphalt
Private Pool false
Waterfront Y/N false
Covered Spaces 2
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* Excluded Features
List By
Adams Homes Realty, Inc

Broker

jannette.rodriguez@adamshomes.com

Email

Affordability Calculator

$2,576
Per Month
97%
3%
0%
Monthly Principal & Interest
$2,506
Monthly Property Taxes
$69
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
0 Elementary School
0 Middle School
Harmony High High School High School
Pricing History
DatePricePrice ChangeDescription
10/16/2026$362,900 -1.36% Price Down
10/1/2026$367,900 -6.36% Price Down
9/16/2026$392,900 -4.84% Price Down
6/14/2026$412,900 Listed Price

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7648 BENT TREE LOOP, Saint Cloud, FL, 34771 is a Single Family Home for sale at $362,900 with 1,820 sqft and a lot size of 0.14. 7648 BENT TREE LOOP has 4 bedrooms, 2.0 baths, and was built in 2026. The property's zip code is 34771 which is in Saint Cloud, FL