Harmony Homes under $400,000

Harmony Homes under $400,000

Welcome to Harmony, Florida – a picturesque gem nestled in the heart of Osceola County. Known for its serene landscapes and friendly community, Harmony offers a unique blend of small-town charm and modern conveniences. With its idyllic setting, this vibrant city is perfect for families, retirees, and everyone in between, making it an ideal place to call home.

One of the most appealing aspects of Harmony is its commitment to preserving nature. The city is surrounded by lush greenery, tranquil lakes, and scenic trails, providing endless opportunities for outdoor enthusiasts. Whether you enjoy hiking, biking, or simply taking a leisurely stroll, Harmony’s beautiful parks and nature reserves will captivate your senses.

For those seeking a new home, Harmony boasts a variety of options, including beautiful properties priced under $400,000. These homes are designed with modern living in mind, featuring spacious layouts, energy-efficient designs, and charming outdoor spaces. Whether you’re looking for a cozy single-family home or a stylish townhome, Harmony has something to suit every taste and budget.

In addition to its affordable housing market, Harmony is conveniently located near major highways, making commuting to nearby cities like Orlando a breeze. Residents can enjoy a peaceful lifestyle while still having access to the vibrant culture, shopping, and dining options that Central Florida has to offer.

Discover the perfect blend of community, nature, and affordability in Harmony, Florida. Your dream home awaits in this enchanting city!

Newest Harmony Homes under $400,000

7696 Bent Tree Loop, Harmony
$378,900
3 Beds ⋅ 2 Baths ⋅ Harmony Central Ph 2 SubDv. ⋅ 34773 Zip Code
Virtually Staged. 7696 BENT TREE LOOP | HARMONY CENTRAL | ST. CLOUD, FLORIDA NEW CONSTRUCTION - $378,900. 3 bedrooms, 2 full baths, 1,970 sq ft. 2-car garage. PROMOTION & CLOSING-COST SAVINGS PRICE REDUCED $45,000; reduction already reflected in the advertised price. Does the builder pay closing costs? Save thousands with builder-paid closing costs using a preferred lender; prepaids excluded. What is the promotion? Free washer, dryer and refrigerator received after closing. $15,000 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. For contracts executed by October 31, 2026, receive a 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. HARMONY CENTRAL FAQs 1. Why St. Cloud? New housing, affordability and recreation. 2. Alternative to Lake Nona? Potentially more home for your budget. 3. Medical City distance? Website: about 20 minutes. 4. Under 5% down? Options may exist for qualified borrowers. 5. Buy versus rent? Compare mortgage costs, rent and potential equity. 6. Living in Harmony? Small-town surroundings with modern conveniences. 7. What attracts families? Activities, green spaces and nearby services. 8. Amenities? Pool with cabanas and dog park. Verify access to other Harmony facilities. 9. Schools? Harmony Community, Harmony Middle and Harmony High; verify district assignments. 10. What distinguishes Harmony Central? Master-planned setting and recreation. 11. MCO distance? Website estimates 25 minutes. 12. Downtown Orlando commute? Website estimates 35 minutes. Travel times vary with traffic. 13. Medical City employees? Access to healthcare workplaces. 14. Employers? Healthcare, universities, theme parks, Amazon and schools within commuting distance. 15. Remote work? Bedrooms or available flex space can accommodate work. 16. First-time buyer programs? Assistance may apply. 17. USDA financing? Lender must verify property and borrower eligibility. 18. Income needed? Depends on price, loan, credit and debts. 19. Why new construction? Modern layouts, efficiency and warranties. 20. How to tour? Request an appointment to view this home. Harmony Central has NO CDD; HOA fees and property taxes are separate.

7696 Bent Tree Loop, Harmony
7678 Bent Tree Loop, Harmony
$378,900
3 Beds ⋅ 2 Baths ⋅ Harmony Central Ph 2 SubDv. ⋅ 34773 Zip Code
Virtually Staged. 7678 BENT TREE LOOP | HARMONY CENTRAL | ST. CLOUD, FLORIDA NEW CONSTRUCTION - $378,900. 3 bedrooms, 2 full baths, 1,970 sq ft. 2-car garage. PROMOTION & CLOSING-COST SAVINGS PRICE REDUCED $45,000; reduction already reflected in the advertised price. Does the builder pay closing costs? Save thousands with builder-paid closing costs using a preferred lender; prepaids excluded. What is the promotion? Free washer, dryer and refrigerator received after closing. $15,000 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. 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. HARMONY CENTRAL FAQs 1. Why St. Cloud? New housing, affordability and recreation. 2. Alternative to Lake Nona? Potentially more home for your budget. 3. Medical City distance? Website: about 20 minutes. 4. Under 5% down? Options may exist for qualified borrowers. 5. Buy versus rent? Compare mortgage costs, rent and potential equity. 6. Living in Harmony? Small-town surroundings with modern conveniences. 7. What attracts families? Activities, green spaces and nearby services. 8. Amenities? Pool with cabanas and dog park. Verify access to other Harmony facilities. 9. Schools? Harmony Community, Harmony Middle and Harmony High; verify district assignments. 10. What distinguishes Harmony Central? Master-planned setting and recreation. 11. MCO distance? Website estimates 25 minutes. 12. Downtown Orlando commute? Website estimates 35 minutes. Travel times vary with traffic. 13. Medical City employees? Access to healthcare workplaces. 14. Employers? Healthcare, universities, theme parks, Amazon and schools within commuting distance. 15. Remote work? Bedrooms or available flex space can accommodate work. 16. First-time buyer programs? Assistance may apply. 17. USDA financing? Lender must verify property and borrower eligibility. 18. Income needed? Depends on price, loan, credit and debts. 19. Why new construction? Modern layouts, efficiency and warranties. 20. How to tour? Request an appointment to view this home. Harmony Central has NO CDD; HOA fees and property taxes are separate.

7678 Bent Tree Loop, Harmony
7142 Five Oaks Drive, Harmony
$310,000
3 Beds ⋅ 3 Baths ⋅ Ashley Park At Harmony SubDv. ⋅ 34773 Zip Code
Short Sale. This is a short sale not approved price. Discover the Lifestyle You’ve Been Looking For in St. Cloud, Florida! Welcome to 7142 Five Oaks Dr, St. Cloud, FL 34773! Discover the opportunity to make St. Cloud your home and enjoy the best of Central Florida living. Whether you're a first-time homebuyer, a young couple ready to start your next chapter, or a growing family looking for a place to create lasting memories, this location offers a wonderful opportunity to enjoy a lifestyle that blends everyday comfort with outdoor adventure. Enjoy the charm of St. Cloud, where you can spend weekends exploring local parks, enjoying waterfront views, discovering local restaurants, or taking a relaxing stroll through historic downtown. With opportunities for outdoor recreation, family-friendly activities, and convenient access to the greater Central Florida area, there's always something new to experience. Imagine spending your weekends enjoying a picnic by the lake, taking a scenic bike ride, exploring local shops, or planning a fun family outing. In St. Cloud, home is more than just a place to live, it's an opportunity to build your future, connect with your community, and enjoy the moments that matter most. Make your next move in St. Cloud and start creating the lifestyle you've been dreaming of!

7142 Five Oaks Drive, Harmony
3545 Clay Brick Road Unit 44B, Harmony
$252,000
3 Beds ⋅ 3 Baths ⋅ Ashley Park At Harmony Condo SubDv. ⋅ 34773 Zip Code
COMMUNITY OF HARMONY CONDO READY FOR YOU! PROPERTY OFFERS OPEN FLOOR PLAN, WELL-EQUIPPED KITCHEN WITH ALL ELECTRIC APPLIANCES, BREAKFAST BAR & PANTRY, LIVING ROOM, DINING SPACE, INSIDE W/D & STORAGE SPACE, 1/2 BATH DOWNSTAIRS, ALL BEDROOMS UPSTAIRS - PRIMARY BEDROOM FEATURES BUILT IN CLOSET, DUAL-SINK VANITY & SHOWER IN BATHROOM AND GUEST BEDROOMS OFFER A CONVENIENT FULL GUEST BATHROOM WITH LARGE VANITY & TUB/SHOWER COMBO, CHA, REAR ATTACHED GARAGE W/ ELECTRIC DOOR LIFT. CHARMING ENTRY WITH FRONT COVERED PORCH - SIT AWHILE; TAKING IN THE COMMUNITY LANDSCAPING, MATURE TREE-LINED STREETS AND WALKABLE PATHS & SIDEWALKS. CLOSE TO AREA SCHOOLS, SHOPPING, MAJOR ROADWAYS & EAST COAST BEACHES.

3545 Clay Brick Road Unit 44B, Harmony
2842 Common Crane Court, Harmony
$300,000
3 Beds ⋅ 2 Baths ⋅ Villages At Harmony Ph 1c-2 SubDv. ⋅ 34773 Zip Code
Short Sale. At the heart of this 2022-built home is an open kitchen anchored by a center island, walk-in pantry, and breakfast bar — the kind of space that keeps cooking and gathering in one bright, connected room. The kitchen flows into the main living and dining area under a single-story, open floorplan with ceiling fans throughout. Three bedrooms and two full baths are set in a low-maintenance block-and-concrete home with a shingle roof, vinyl-fenced yard, covered porch, and patio. A two-car attached garage adds everyday convenience, and a security system with cameras is already in place. Located in Harmony West, with access to a clubhouse, fitness center, community pool, dog park, and playground. HOA is just $100/quarter. Nearly new and move-in ready — schedule your showing today.

2842 Common Crane Court, Harmony
7107 Red Lantern Dr Unit 7107, Harmony
$209,900
2 Beds ⋅ 2 Baths ⋅ Ashley Park At Harmony SubDv. ⋅ 34773 Zip Code
Seller is offering up to $10,000 toward buyer’s closing costs or a rate buydown, subject to buyer’s loan program limits. Welcome to an easier way of living in Harmony, where your neighborhood is about much more than the home itself. This bright, end-unit townhome offers 2 bedrooms, 2 bathrooms, and an attached one-car garage, all within easy walking distance of Harmony's town square, restaurants, community pool, and miles of trails. Natural light fills the open living space, while a split-bedroom floor plan provides privacy and flexibility for everyday living, guests, or a home office. The kitchen opens to the main living area, and sliding glass doors extend the space outdoors, perfect for enjoying the cooler weather just around the corner. What truly sets this home apart is the lifestyle just outside your door. Harmony was designed around connection, recreation, and enjoying the outdoors, with community amenities, trails, green spaces, and schools located right within the community. Walk to the town square for a bite to eat, head out for an evening stroll, spend the afternoon at the pool, or simply enjoy having so much of your everyday life close to home. For a first-time buyer or anyone looking for a lower-maintenance lifestyle without giving up a sense of community, this is an opportunity to make Harmony home. And when you're ready for a change of scenery, the Atlantic coast and Melbourne Beach are approximately a 40-minute drive away.

7107 Red Lantern Dr Unit 7107, Harmony
7669 Five Oaks Drive, Harmony
$385,000
3 Beds ⋅ 2 Baths ⋅ North Lakes Of Harmony SubDv. ⋅ 34773 Zip Code
Welcome to 7669 Five Oaks Dr, an exceptional 3-bedroom, 2-bath home in North Lakes, the newest subdivision within the highly sought-after 55+ community of The Lakes at Harmony. An added value: the CDD bond/debt portion has been PAID IN FULL, with only the O&M portion remaining. Set on a large premium conservation lot, this beautiful home offers wonderful privacy, peaceful natural views and the perfect setting for enjoying Florida living. At the heart of the home is an impressive gourmet kitchen featuring crisp white cabinetry, elegant white quartz countertops, abundant workspace and an open design ideal for entertaining family and friends. Beautiful plantation shutters add timeless style throughout the home. Step outside to the large extended lanai, where you can relax, entertain or simply enjoy the serene conservation backdrop and surrounding nature. Additional upgrades include a whole-home water softener and surround sound system. With its modern finishes, spacious design, premium homesite and desirable North Lakes location, this exceptional home offers the perfect combination of comfort, style and the active-adult lifestyle The Lakes at Harmony is known for. Buyer to verify all room dimensions, square footage, and HOA restrictions.

7669 Five Oaks Drive, Harmony
7103 Red Lantern Drive Unit 7103, Harmony
$254,900
3 Beds ⋅ 3 Baths ⋅ Ashley Park At Harmony Condo SubDv. ⋅ 34773 Zip Code
The Harmony Lifestyle is calling to you. This beautiful Townhome style condo with 3 bedrooms and 2.5 bathrooms is clean and ready for immediate occupancy! Upgraded flooring throughout so there is no carpet to worry about. All bedrooms are upstairs to keep everyone wStainless steel appliances in the kitchen gives the unit an elegant feel. 2 car garage attached. A short walk to the closest community pool and park area will take your breath away. Enjoy the warm Florida weather in the neighborhood by walking, running, hiking the community hiking trails, or touring the abundant wildlife with your golf cart (Golf cart approved streets), as well as events included and planned with the Harmony CDD such as golf cart parades and holiday/farmers markets. Fish off of the docks on Buck Lake or take out a boat! Enjoy the Harmony boats on Buck Lake by simply reserving them ahead of time (after a safety class) without additional costs including pontoon boats, bass boats, Kayaks, and canoes. Don't miss this opportunity to live life to the fullest in Harmony Style.

7103 Red Lantern Drive Unit 7103, Harmony
2822 Harmonia Hammock Rd, Harmony
$350,000
3 Beds ⋅ 2 Baths ⋅ Village At Harmony Ph 1b SubDv. ⋅ 34773 Zip Code
Built in 2021, this exceptionally well-maintained single-family home offers approximately 1,676 square feet of thoughtfully designed living space, featuring three bedrooms and two bathrooms. The modern kitchen is equipped with sleek stainless steel appliances, blending style and functionality for both daily living and entertaining, all within a clean, contemporary aesthetic. The spacious primary versatility for hosting guests, setting up a home office, or creating extra living space. Outside, you can enjoy the patio, which is ideal for relaxing evenings or hosting gatherings year-round. This move-in-ready home combines modern comfort, practical design, and a low-maintenance lifestyle in a magnificent property.

2822 Harmonia Hammock Rd, Harmony
3537 Clay Brick Road Unit 3537, Harmony
$206,900
2 Beds ⋅ 2 Baths ⋅ Ashley Park At Harmony Condo SubDv. ⋅ 34773 Zip Code
DESIRABLE HARMONY! GREAT LOCATION, GREAT INVESTMENT; LOCATED JUST EAST OF ST. CLOUD AND JUST WEST OF THE EAST COAST, EASY COMMUTE TO AIRPORT, BEACHES, MAJOR ROADWAYS, SHOPPING AND AREA SCHOOLS. CONDO PROVIDES FIRST FLOOR ENTRY AND GARAGE ACCESS WITH SECOND FLOOR LIVING; OPEN FLOOR PLAN WITH EQUIPPED KITCHEN INCL. BREAKFAST BAR & CLOSET PANTRY, DINING SPACE, GREAT ROOM, SLIDERS TO CUTE BALCONY, NEUTRAL COLORS - ON WALLS, CARPETS & TILES. PRIMARY BEDROOM IS ROOMY WITH GREAT BATHROOM SPACE - INCL. WC, SHOWER W/ GARDEN TUB, DUAL VANITY, WALK IN CLOSET AND ACCESS TO INTERIOR AC UNIT FROM CLOSET SPACE. INSIDE LAUNDRY IS A PLUS ON 2ND FLOOR LIVING - DON'T HAVE TO GO UP & DOWN STAIRS TO GET THE LAUNDRY DONE! 2ND BEDROOM OFFERS CLOSET WITH 2ND BATHROOM JUST OUTSIDE THE DOORWAY; INCL. TUB/SHOWER COMBO & SINGLE VANITY. THIS CONDO HAS BEEN A LONG TERM RENTAL FOR NEARLY 20 YEARS - ITS IN GREAT SHAPE FOR ITS NEXT OWNER!

3537 Clay Brick Road Unit 3537, Harmony
3128 Songbird Cir, Harmony
$337,500
2 Beds ⋅ 2 Baths ⋅ Harmony Nbhd J SubDv. ⋅ 34773 Zip Code
Virtually Staged. BETTER THAN NEW! PREMIUM CORNER LOT IN HARMONY LAKES! Enjoy the best of Florida living in this METICULOUSLY MAINTAINED home in Harmony Lakes, a gated 55+ community surrounded by natural beauty and packed with resort-style amenities. Inside, TILE AND LVP FLOORING THROUGHOUT, QUARTZ COUNTERTOPS, and CUSTOM WINDOW TREATMENTS create a polished, move-in-ready feel. Step outside to the SCREENED LANAI, perfect for enjoying the peaceful surroundings. Just under 1/4 mile from the Lakes Clubhouse, this home puts an incredible lifestyle right at your fingertips! Enjoy TWO HEATED POOLS, a ZERO-ENTRY POOL, fitness and activity centers, golf, tennis, pickleball, and 12 MILES OF SCENIC TRAILS. The private lake offers fishing, kayaking, and pontoon boat rides at NO CHARGE with reservations. With permanent open space, abundant nature, and convenient GOLF-CART ACCESS throughout the community, Harmony Lakes offers the perfect blend of active living, relaxation, and connection. Don't miss this opportunity to enjoy an exceptional home in one of the area's sought-after 55+ communities!

3128 Songbird Cir, Harmony
2561 Harmonia Hammock Rd, Harmony
$399,000
4 Beds ⋅ 2 Baths ⋅ Villages/Harmony Ph 1c-2 SubDv. ⋅ 34773 Zip Code
"WHY WAIT TO BUILD AND PAY HIDDEN COSTS? This 2023 home is BETTER THAN NEW and completely move-in ready! Why wait on the builder when this homeowner has invested in the best upgrades and they are already completed? Enjoy CARPET-FREE living with pristine luxury vinyl plank (LVP) flooring throughout the entire residence, complimented by fresh interior paint.The open-concept living space flows seamlessly outside to a screened-in back porch and a fully enclosed backyard featuring a permitted white vinyl fence—perfect for entertaining or relaxing in complete privacy. Additional upgrades include brand-new gutters, a new garage door opener, and a wired ADT security system. Completely move-in ready and priced to sell—schedule your private tour today before it’s gone! Completely move-in ready and priced to sell—schedule your private tour today before it’s gone!

2561 Harmonia Hammock Rd, Harmony
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