Harmony Homes under $500,000

Harmony Homes under $500,000

Welcome to Harmony, Florida – a hidden gem nestled in the heart of Osceola County. This picturesque city offers a unique blend of small-town charm and modern conveniences, making it an ideal place for families, retirees, and everyone in between. With its lush landscapes, serene lakes, and vibrant community spirit, Harmony is a place where residents can truly feel at home.

One of the most appealing aspects of Harmony is its commitment to preserving the natural beauty of the area. The city boasts an array of parks, walking trails, and recreational spaces that invite outdoor enthusiasts to explore and enjoy nature. Imagine spending weekends hiking, biking, or picnicking in one of the many green spaces that surround you.

For those looking to settle down in this enchanting community, Harmony offers a fantastic selection of homes priced under $500,000. Whether you’re searching for a cozy single-family residence or a spacious townhome, you’ll find a variety of options that cater to different lifestyles and preferences. These homes often feature modern amenities, open floor plans, and beautiful outdoor spaces perfect for entertaining or relaxation.

In addition to its beautiful homes, Harmony is conveniently located near major highways, providing easy access to nearby attractions, shopping, and dining. With a strong sense of community and plenty of activities for all ages, Harmony is more than just a place to live; it’s a place to thrive. Come discover your dream home in Harmony today, where affordable living meets the beauty of Florida’s natural landscape!

Newest Harmony Homes under $500,000

3214 Bayflower Ave, Harmony
$445,000
4 Beds ⋅ 3 Baths ⋅ S5160044 MLS
Welcome home to Harmony! This beautifully maintained single-story 4-bedroom, 3-bathroom home offers easy, comfortable living in one of St. Cloud’s most sought-after master-planned communities. A charming front porch greets you at the door, and inside you’ll find wood flooring, custom interior shutters, and a separate flex room that works well as a home office, study, or guest space. The kitchen features a breakfast bar overlooking the living area, plus an eating space for casual meals. The primary ensuite is a true retreat, with a custom built-in closet, a walk-in shower, dual vanities, and a separate water closet. The inside laundry room adds everyday convenience, and a new roof gives you peace of mind. Out back, the fully fenced yard is ideal for pets, play, and entertaining. A front-loading garage completes the home. Harmony residents enjoy resort-style pools, a fitness center, tennis and racquetball courts, playgrounds, a dog park, and miles of trails. Fish from the pier or boat on Buck Lake, play a round of golf, and walk to Harmony Square for dining and shopping. Harmony’s schools are right in the neighborhood, and the Turnpike and Lake Nona Medical City are minutes away. *Click on VIRTUAL TOUR LINK 2 for a 3-D walkthrough of this home*

3214 Bayflower Ave, Harmony
7696 Bent Tree Loop, Harmony
$378,900
3 Beds ⋅ 2 Baths ⋅ O6450774 MLS
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 ⋅ O6450741 MLS
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 ⋅ O6450412 MLS ⋅ 7142 BLDG.
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 ⋅ R4912158 MLS ⋅ 3545 BLDG.
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
7007 Five Oaks Drive, Harmony
$479,900
4 Beds ⋅ 3 Baths ⋅ O6446764 MLS
Price just improved by 20K & Seller is offering 10k towards permanent/temporary rate buy down if using preferred lender with acceptable contract. Finally, the Harmony home you’ve been waiting for is here! Perfectly positioned along the second green, this stunning custom-built 4-bedroom, 3-bath home offers the ideal combination of elegance, comfort, space, and location. Relax on the oversized front porch while enjoying beautiful golf course views looking over the 2nd green, or entertain family and friends from the spacious screened-in rear patio. Situated on an extra-wide 66-foot lot, this home offers one of the larger lots you’ll find in Harmony, along with a longer driveway providing additional front parking and a generously sized backyard. Inside, you’ll immediately notice the quality and thoughtful design found throughout this custom home. 10-foot ceilings, 8-foot doors, crown molding, solid-surface countertops, upgraded finishes, and an abundance of natural light create an open and elegant atmosphere. The spacious kitchen is designed for both everyday living and entertaining, featuring a large prep island with a second sink, 42-inch maple cabinetry, two in cabinet Lazy Susans for added storage, and decorative plant shelves. Upgraded luxury vinyl plank flooring extends throughout the bedrooms, while attractive tile flooring enhances the main living areas. The home truly shines when it’s time to entertain. French doors open from the main living area to the oversized screened-in rear porch, creating a seamless indoor-outdoor living space and making the home feel even larger when opened up. All four bedrooms are generously sized, providing plenty of room for family and guests. The spacious primary suite features two closets, dual vanities, a separate shower, garden tub, and private water closet. Bedroom 2 offers an especially versatile setup with its own private bathroom featuring a walk-in shower, plus a separate door leading directly to the rear screened patio — perfect for guests or entertaining. The oversized garage provides plenty of room for vehicles, storage, and hobbies. It features extra-tall 12-foot ceilings, a dedicated air-conditioning and water-heater room, and an impressive attic storage area above the garage with pull down attic stairs, plywood flooring and lighting already installed. Additional features include exterior security cameras and a brand-new smart garage door opener with an integrated security camera, allowing you to monitor and operate the garage securely from your phone. And perhaps best of all, many of the major updates have already been taken care of for you: Brand-new roof — October 2026 Brand-new tankless water heater — March 2026 New A/C system — May 2024 This is a home that combines the features home owners want, the space they need, and the Harmony location they dream about. From the golf course views and oversized lot to the custom details, generous bedrooms, incredible storage, and extensive updates, this home truly stands apart. If you know Harmony, you know how special this home is. Come see for yourself — this may be the one you’ve been waiting for!

7007 Five Oaks Drive, Harmony
3199 Crispin Circle, Harmony
$415,000
4 Beds ⋅ 2 Baths ⋅ S5158508 MLS
Welcome to 3199 Crispin Cir, a beautiful 4-bedroom, 2-bath home in the desirable Harmony community! Built in 2019, this well-maintained home offers 1,901 sq. ft. of comfortable living space with an open and functional layout. The home features a spacious kitchen with modern appliances, durable flooring throughout, and a primary suite with a remodeled bathroom. Enjoy Florida living in the private outdoor space, perfect for relaxing or entertaining. Situated on a desirable lot with convenient access to Harmony’s amenities, including parks, trails, golf, community pools, and recreational areas. Conveniently located near schools, shopping, dining, and major highways. This home offers the perfect combination of comfort, location, and lifestyle—schedule your private showing today!

3199 Crispin Circle, Harmony
3306 Sagebrush Street, Harmony
$480,000
4 Beds ⋅ 3 Baths ⋅ O6446401 MLS
ATTENTION 55+ active adults looking for the perfect home and community to retire at! Look no more! Come see this beautiful former model home, built by Cal-Atlantic, located in the fun-loving Harmony South Lakes neighborhood. Enjoy the open floor plan with glass sliders leading out to the roomy screened in lanai with tranquil views of the pond and golf course beyond. The kitchen, centrally located, with its granite countertops, stainless steel appliances and a prepping island is open to the family room providing a comfortable hosting experience when entertaining. This model home boasts a huge bonus room at the top of the stairway showcasing brick veneer walls and granite countertops, perfect for a home office, craft room or fourth bedroom, plus there is a full bathroom up there too. The second bonus/family room is located between two guest rooms, giving your guests their own private parlor if they are needing a little quiet time of their own. Living at the Lakes of Harmony gives you the opportunity to get out and have some fun at the private clubhouse with its gorgeous pool, gym, courts and recreation/gathering areas where you're sure to meet some friends to go play a round of golf on the Harmony championship golf course or to take part in one of the many Harmony Lakes active adult activities each month. Harmony is in a fantastic location! Just approximately a 30-minute drive east to I-95 at Melbourne or drive 15 more minutes and arrive at the Melbourne Beaches where you can enjoy the sand and surf! When driving West from Harmony you are approximately 20 minutes to the FL. Turnpike and Kissimmee. Drive north for 30 minutes and you will find the renowned Lake Nona and the Medical City. Orlando International Airport is approximately 40-45 minutes northwest of Harmony as well. This is a beautiful hidden Jem of a neighborhood! Make your viewing appointment today!

3306 Sagebrush Street, Harmony
2842 Common Crane Court, Harmony
$300,000
3 Beds ⋅ 2 Baths ⋅ S5157810 MLS
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
3184 Songbird Circle, Harmony
$429,900
3 Beds ⋅ 2 Baths ⋅ S5157894 MLS
"JUST REDUCED $10,000." "Your private saltwater pool paradise awaits in The Lakes at Harmony!" Discover resort-style living in The Lakes at Harmony, a sought-after 55 and better community nestled in a peaceful corner of St. Cloud. This beautifully maintained 3-bedroom, 2-bath pool home offers more than 1850 square feet of inviting living space on a spacious lot, complete with a custom saltwater pool designed for relaxing, entertaining, and enjoying Florida's year-round sunshine. Step inside to an open, comfortable layout that makes everyday living and hosting effortless. The kitchen features upgraded stainless-steel appliances, while the spacious owner's suite provides a private retreat with a beautifully tiled shower and glass enclosure. Outside, your private pool oasis offers the perfect setting for morning swims, weekend gatherings, or unwinding at the end of the day--with the added benefit of retractable privacy screens completely around the pool area, as well as the larger homesite with plenty of outdoor space. The Lakes at Harmony delivers an exceptional lifestyle with lawn maintenance included and access to desirable community amenities within the master-planned Harmony community. Golf lovers will appreciate the beautiful Johnny Miller Signature 18-hole-par 72 golf course, while residents enjoy the tranquility and convenience of this welcoming neighborhood. If you've been waiting for a move-in-ready pool home in a vibrant 55+ community, this is your opportunity. Come see why life in Harmony feels like a vacation--schedule your private showing today before this exceptional home is gone!

3184 Songbird Circle, Harmony
7107 Red Lantern Dr Unit 7107, Harmony
$209,900
2 Beds ⋅ 2 Baths ⋅ S5157360 MLS ⋅ 7107 BLDG.
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 ⋅ O6439810 MLS
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
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