3204 OXBOW CT Saint Cloud, FL $ 469,000
3204 OXBOW CT
$ 469,000
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3204 OXBOW CT

Saint Cloud, FL, 34773
$ 469,000
Bedrooms4 Baths3.0 Sq 2,361

Monthly Estimate*

$ 2,926

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Single Family Home for sale in Saint Cloud, FL

for $469,000 with 4 bedrooms and 3 full baths. This 2,361 square foot home was built in 2022 on a lot size of 0.11.

Take advantage of this incredible opportunity! With a full-price offer, the seller will contribute 5% of the purchase price toward your closing costs. These seller credits can be applied to closing costs, down payment assistance, or mortgage rate buy-down. This is a rare chance to save thousands and make homeownership more affordable—don’t miss it! Welcome home to this beautifully maintained 4-bedroom, 3-bathroom home built in 2022, located in a gated golf course community and zoned for the sought-after Harmony neighborhood schools. This one-owner home sits on a premium lot with a fully fenced backyard that backs up to privacy—perfect for relaxing evenings, pets, or playtime. From the moment you arrive, you’ll notice the attention to detail, with paver driveway and porches, plantation shutters, crown molding throughout the 1st floor, gutters and a whole-house water system already in place. Inside, the open and functional layout includes a flex room and full bathroom on the main floor—ideal for guests, a home office, or even a playroom. The gourmet kitchen is a true highlight, featuring stainless steel appliances, quartz countertops, and plenty of space for cooking, hosting, and gathering. Upstairs, all bedrooms are conveniently located near the spacious laundry room, keeping chores simple and organized. Whether you're looking for comfort, style, or convenience, this home checks all the boxes. You’ll be just minutes from the beaches and less than an hour to Orlando’s theme parks and international airport—giving you the best of both Florida fun and everyday practicality. Don’t miss your chance to own a move-in-ready home in a great location with top-rated schools!

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Single Family Active

Price

$ 469,000

Bedrooms

4

Full Bath

3

Property Type

Single Family

Taxes

$ 6,065

Style

Single Family Residence

Lot Size

0.11

Year Built

2022

Town/City

Saint Cloud

County/Region

Osceola

MLS | Web ID

S5129765

Features
General
Sewer Public Sewer
Heating Central
Cooling Central Air
Utilities Electricity Connected
Roof Shingle
Appliances Dishwasher Disposal Dryer Electric Water Heater Microwave Range Refrigerator Washer
Zoning LDR
HOA Fee 260
Garage Spaces 2
Association Fee Includes Common Area Taxes Community Pool Maintenance Grounds Maintenance Repairs
Patio/Porch Features Covered Front Porch Rear Porch
Construction Materials Block Stucco
Pets Allowed Yes
Year Built 2022
View Trees/Woods
Levels Two
Property Subtype Single Family Residence
Tax Year 2024
Ownership Fee Simple
Waterfront Features Lake
Community Features Dock Lake
Assoc Fee Paid Per Quarterly
County Osceola
New Construction false
Property Type Residential
Association Amenities Clubhouse Fitness Center Gated Golf Course Playground Pool
Attached Garage true
Subdivision Name ENCLAVE AT LAKES OF HARMONY
Facing Direction North
Garage Y/N true
Total Rooms 7
Full Baths 3
Status Active
Directions Exit off the turnpike then turn east onto 192 to the 2nd Harmony entrance or 1st if coming from Melbourne. Turn right onto Five Oaks Dr. Turn left into Harmony Enclave. Go through the gate. At the first stop sign turn left onto Oxbow Ct and the home will be on your left.
City ST CLOUD
Association Name MARK HILL
Senior Community Y/N false
MLS Area 34773 - St Cloud (Harmony)
Lot Size Units Square Feet
Lot Size Square Feet 4792
Carport Spaces 0
Carport Y/N false
Listing Terms Assumable Cash Conventional
Land Lease Y/N false
Tax Annual Amount 6065
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.propertypanorama.com/instaview/stellar/S5129765
Building Area Units Square Feet
Living Area Units Square Feet
Builder Name JONES USA
Standard Status Active
Occupancy Type Owner
TaxOtherAnnualAssessmentAmount 1835
Tax Lot 10
Legal Description ENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 10
Minimum Lease 7 Months
Water Access Y/N false
Monthly HOA Amount 86.67
Additional Rooms Inside Utility
Water View Y/N false
Flood Zone Code X
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Interior
Interior Amenities Ceiling Fan(s) Eating Space In Kitchen High Ceilings Living Room/Dining Room Combo Solid Surface Counters Split Bedroom Thermostat Window Treatments
Flooring Carpet Tile
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Half Baths 0
Laundry Features Inside Laundry Room Upper Level
Total Bedrooms 4
Total Baths 3
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Exterior
Exterior Amenities Irrigation System Rain Gutters Sliding Doors
Fencing Fenced
Lot Features Cleared Conservation Area Landscaped Near Golf Course Sidewalk
Water Source Public
Lot Size Area 4792
Foundation Details Slab
Building Area Total 3034
Lot Size Acres 0.11
Road Surface Type Paved Asphalt
Private Pool false
Waterfront Y/N false
Covered Spaces 2
Road Frontage Type Street Paved
Builder Model HARBOR ISLE
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* Excluded Features
List By
Tie Team Realty Llc

Broker

chris@tieteamrealty.com

Email

Affordability Calculator

$3,431
Per Month
85%
15%
0%
Monthly Principal & Interest
$2,926
Monthly Property Taxes
$505
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% 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
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
12/19/2025$469,000 Listed Price

Map


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3204 OXBOW CT, Saint Cloud, FL, 34773 is a Single Family Home for sale at $469,000 with 2,361 sqft and a lot size of 0.11. 3204 OXBOW CT has 4 bedrooms, 3.0 baths, and was built in 2022. The property's zip code is 34773 which is in Saint Cloud, FL