4020 SAGEFIELD DRIVE, ST CLOUD, FL, 34773
Active285 days on marketListed Oct 12, 2025MLS #O6351853
About this home
4020 SAGEFIELD DRIVE
Take advantage of a limited-time 4.99 FHA fixed interest rate promotion, paid closing costs- saving you thousands, plus a $20,000 price reduction on this beautiful new construction home in Harmony Central with a monthly payment of $2247.62 (P&I). Must use preferred lender and close within 30 days. Discover your dream home featuring 4 bedrooms, 2.5 bathrooms, and a spacious loft designed for comfortable living and entertaining. The open-concept floor plan showcases an upgraded kitchen with granite countertops, a large center island, staggered 36” cabinets with crown molding, and Whirlpool stainless steel appliances. Additional highlights include a spacious laundry room, walk-in closets in 3 of the 4 bedrooms, and a covered lanai perfect for enjoying Florida living. Enjoy peace of mind with a 1-year builder warranty and a 10-year structural warranty. Harmony Central offers a beautiful community pool with cabanas, no CDD fees, and a very low HOA, all while being conveniently located near shopping, dining, and top-rated schools. Secure your new Adams Home with only a $1,000 deposit. Promotions and incentives are subject to change without notice.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,405
Sqft
0.11 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$178
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.
$2,994 /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
$2,994/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
+1.1%
$/sqft vs HARMONY CENTRAL
$178 vs $209
Days on market
285 vs 33 typical
Where $178/sqft sits among the 9 homes for sale in HARMONY CENTRAL
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)
1 of 9
HARMONY CENTRAL have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% 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 4020 SAGEFIELD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$442,900
7581 BENT TREE LOOP · same community
4 bd · 2.5 ba · 2,405 sqft · $184/sqft · 48 DOM
Sold · Sep ’25$440,900
7491 BENT TREE LOOP · same community
4 bd · 2.5 ba · 2,405 sqft · $183/sqft · 0 DOM
Sold · Jun ’26$399,900
7690 BENT TREE LOOP · same community
4 bd · 2 ba · 1,820 sqft · $220/sqft · 0 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4020 SAGEFIELD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4020 SAGEFIELD DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
4020 SAGEFIELD DRIVE FAQs
What would the monthly payment be for 4020 SAGEFIELD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,994/mo — principal and interest, the actual property-tax bill, the $69/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 4020 SAGEFIELD DRIVE?+
The association fee works out to $69 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4020 SAGEFIELD DRIVE?+
The most recent tax bill on record (2024) was $759. 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 4020 SAGEFIELD 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 St Cloud?+
At $426,900, this home is priced right at the St Cloud median.
Which schools are assigned to 4020 SAGEFIELD DRIVE?+
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
$426,900 runs 40% above the ST CLOUD 34773 median — but at 2,405 sqft it's also 22% larger than the typical St Cloud listing.
02Time on market is leverage
285 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 $438,900, now $426,900 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC. · Danielle Lituski. MLS #O6351853.
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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