7631 BENT TREE LOOP, ST CLOUD, FL, 34773
Active152 days on marketListed Mar 11, 2026MLS #O6389991
Come see it
Upcoming open houses
Sat, Aug 15
1:00 PM – 4:00 PM
Don't miss this beautiful 3-bedroom, 2-bath home featuring an exceptional pond view and an incredible value. The thoughtfully designed open layout offers comfortable everyday living, while the spacious owner's suite overlooks the water, creating a peaceful retreat. Join us at the Open House to experience the scenic backyard, functional floor plan, and everything this home has to offer!
Sat, Aug 22
1:00 PM – 4:00 PM
Don't miss this beautiful 3-bedroom, 2-bath home featuring an exceptional pond view and an incredible value. The thoughtfully designed open layout offers comfortable everyday living, while the spacious owner's suite overlooks the water, creating a peaceful retreat. Join us at the Open House to experience the scenic backyard, functional floor plan, and everything this home has to offer!
Sat, Aug 29
1:00 PM – 4:00 PM
Don't miss this beautiful 3-bedroom, 2-bath home featuring an exceptional pond view and an incredible value. The thoughtfully designed open layout offers comfortable everyday living, while the spacious owner's suite overlooks the water, creating a peaceful retreat. Join us at the Open House to experience the scenic backyard, functional floor plan, and everything this home has to offer!
About this home
7631 BENT TREE LOOP
No CDD, builder-paid closing costs, flexible financing options, and up to $20,000 in Flex Cash make this move-in ready waterfront home an exceptional opportunity for buyers looking to maximize value while saving thousands! Wake up to peaceful pond views and enjoy the beauty of Florida living from your covered lanai with no rear neighbors. Whether you're sipping your morning coffee, watching the sunset, or entertaining family and friends, this spacious backyard provides the perfect setting to relax and enjoy the outdoors. This beautifully designed single-story home features 3 bedrooms, 2 bathrooms, and an open-concept layout that offers both comfort and functionality. The spacious kitchen overlooks the family and dining areas and showcases granite countertops, a large center island, staggered 36-inch cabinets with crown molding, and abundant workspace, perfect for everyday living and entertaining. The private owner's suite offers a peaceful retreat with a generous walk-in closet and en-suite bath, while two additional bedrooms provide flexibility for guests, a home office, or growing families. Located in the highly desirable Harmony Central community, residents enjoy resort-style amenities including a community pool with cabanas, dog park, walking trails, and top-rated Harmony schools—all with no CDD fees and a low HOA. Conveniently located near Lake Nona, the Florida Turnpike, Orlando International Airport, and Florida's beautiful east coast beaches, you'll enjoy the perfect balance of peaceful living and everyday convenience. Builder-paid closing costs (excluding prepaids), up to $20,000 in Flex Cash, and a $1,000 deposit to secure your home make this an incredible opportunity. Flex Cash may be used toward prepaid closing expenses or to help buy down your interest rate when financing through the preferred lender. Backed by a 1-year builder warranty and a 10-year structural warranty, this move-in ready home offers the lifestyle, location, and value today's buyers have been waiting for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,515
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$249
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.
$2,679 /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
$2,679/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
+3.5%
$/sqft vs HARMONY CENTRAL
$249 vs $193
Days on market
152 vs 43 typical
Where $249/sqft sits among the 8 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
$412K → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
1 of 8
HARMONY CENTRAL have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% 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 7631 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 · Jun ’26$399,900
7690 BENT TREE LOOP · same community
4 bd · 2 ba · 1,820 sqft · $220/sqft · 0 DOM
Sold · Mar ’26$408,900
7568 BENT TREE LOOP · same community
4 bd · 2 ba · 1,820 sqft · $225/sqft · 1 DOM
Sold · Jul ’26$442,900
7581 BENT TREE LOOP · same community
4 bd · 2.5 ba · 2,405 sqft · $184/sqft · 48 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
Rachel Jean-Baptiste
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7631 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 7631 BENT TREE LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rachel's phone and CRM.
Straight answers
7631 BENT TREE LOOP FAQs
What would the monthly payment be for 7631 BENT TREE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,679/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 7631 BENT TREE LOOP?+
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 7631 BENT TREE LOOP?+
The most recent tax bill on record (2025) was $698. 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 7631 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 $377,900, this home is listed about 12% below the St Cloud median of $429,990. The market section on this page shows how the area is trending.
Which schools are assigned to 7631 BENT TREE LOOP?+
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
$377,900 runs 20% above the ST CLOUD 34773 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
152 days on market against a St Cloud median of 43 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC · Jannette Rodriguez. MLS #O6389991.
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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