7636 BENT TREE LOOP, ST CLOUD, FL, 34771
Active78 days on marketListed May 2, 2026MLS #O6402714
About this home
7636 BENT TREE LOOP
Enjoy this amazing quick move in ready, brand new 3-bedroom, 2-bath home designed with comfort, functionality, and modern living in mind. High ceilings combined with an open concept create the perfect atmosphere for any occasion, maximizing your long kitchen island. With green conservation views this home brings Harmony all around! With all closing costs paid with our preferred lenders, this will save you thousands. For a limited time receive up to $10,000 in flex Cash, that can be used to reduce your interest rate making your monthly payment more affordable, all of these incredible benefits will make you want to call this home! And that's not all, this community offers no CDDs and a low HOA with access to a beautiful community resort style pool and doggie park. Don't miss the opportunity to own your own piece of Harmony. The spacious primary suite is a private retreat, showcasing vaulted ceilings and serene conservation views, providing a peaceful natural backdrop and added privacy. 2 additional bedrooms are generously sized and include ample closet space. The kitchen is designed for gathering and convenience, featuring a large center island ideal for meal prep and casual dining. A separate formal dining room adds flexibility and can easily serve as a home office or flex space. The open concept living area enhances the home’s spacious atmosphere, making it ideal for hosting guests. Additional highlights include a 1-year builder warranty, 2-year plumbing and electrical warranty, and a 10-year structural warranty for added peace of mind. Located in the highly desirable Harmony Central community, residents enjoy NO CDD fees, a low HOA, and convenient access to nearby shopping, dining, and local amenities. Builder incentives and closing cost assistance may be available when using the preferred lender. Buyer to verify all incentives and financing terms directly with the builder and lender.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,970
Sqft
0.19 ac
Lot size
2
Garage
2026
Year built
One
Levels
$215
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.
$2,995 /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
$2,995/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
+4.4%
$/sqft vs HARMONY CENTRAL PH 2
$215 vs $222
Days on market
78 vs 33 typical
Where $215/sqft sits among the 13 homes for sale in HARMONY CENTRAL PH 2
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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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)
2 of 13
HARMONY CENTRAL PH 2 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 7636 BENT TREE LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$429,900
7600 BENT TREE LOOP · same community
3 bd · 2 ba · 1,955 sqft · $220/sqft · 20 DOM
Sold · Dec ’25$393,900
7512 BENT TREE LOOP · same community
4 bd · 2 ba · 1,820 sqft · $216/sqft · 1 DOM
Sold · May ’26$439,900
3619 BRIARLYNNE WAY · same community
4 bd · 2.5 ba · 2,202 sqft · $200/sqft · 43 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 7636 BENT TREE LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7636 BENT TREE LOOP — 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
7636 BENT TREE LOOP FAQs
What would the monthly payment be for 7636 BENT TREE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,995/mo — principal and interest, the actual property-tax bill, the $76/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 7636 BENT TREE LOOP?+
The association fee works out to $76 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7636 BENT TREE LOOP?+
The most recent tax bill on record (2026) was $908. 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 7636 BENT TREE LOOP?+
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 $423,900, this home is priced right at the St Cloud median.
Which schools are assigned to 7636 BENT TREE LOOP?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC · Michael Soto. MLS #O6402714.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 7636 BENT TREE LOOP but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Rui to ping you on any price or status change →