3420 SCHOOLHOUSE ROAD, ST CLOUD, FL, 34773
Active1 days on marketListed Jul 28, 2026MLS #S5154048
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Upcoming open house
Sat, Aug 1
11:00 AM – 2:00 PM
Saturday, August 1, from 11:00 AM to 2:00 PM. Stop by to tour this beautiful home and see everything it has to offer. We look forward to welcoming you!
About this home
3420 SCHOOLHOUSE ROAD
Welcome to this Amazing Former model home on an oversized fenced homesite with premium upgrades, smart-home features, and one of Harmony’s most desirable locations! Experience the perfect blend of comfort, functionality, and smart-home convenience in this beautifully maintained home situated on an oversized homesite in the highly desirable Harmony community. Designed with everyday living in mind, this property offers an expansive 27' x 30' oversized garage, providing exceptional space for vehicles, storage, hobbies, or a workshop. Inside, you'll appreciate the thoughtful upgrades and move-in-ready features, including smart appliances that all convey, modern light fixtures throughout, a 65-inch TV in both the living room and primary bedroom, and a Ring security system with three cameras included. The spacious floor plan creates an inviting atmosphere for entertaining or relaxing, while the oversized fenced homesite provides plenty of room to enjoy Florida's outdoor lifestyle. Major updates include a 2023 A/C system equipped with a UV filtration system for enhanced indoor air quality, a 2015 roof, and a 2015 water heater. (Water filtration system does not convey.) Living in Harmony means enjoying a community centered around nature and recreation, featuring scenic lakes, walking and biking trails, parks, playgrounds, community pools, sports courts, a golf course, and a vibrant town center with local conveniences. Residents also enjoy easy access to everyday shopping, dining, healthcare, Orlando International Airport, Lake Nona Medical City, major highways, and Central Florida's world-famous attractions, making this an ideal location for both work and play. This exceptional former model home offers the space, premium upgrades, smart features, and lifestyle you've been searching for | Schedule your private showing today before it's too late!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,456
Sqft
0.15 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$159
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.
$3,210 /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
$3,210/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
−2.8%
Days on market
1 vs 33 typical
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 Harmony
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
Harmony — neighborhood snapshot
Population
3,988
Median age
37
Median income
$78,260
Median home value
$354,100
Avg household
3
Households w/ children
524
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 3420 SCHOOLHOUSE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3420 SCHOOLHOUSE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3420 SCHOOLHOUSE ROAD FAQs
What would the monthly payment be for 3420 SCHOOLHOUSE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,210/mo — principal and interest, the actual property-tax bill, the $8/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 3420 SCHOOLHOUSE ROAD?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3420 SCHOOLHOUSE ROAD?+
The most recent tax bill on record (2025) was $6,892. 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 3420 SCHOOLHOUSE ROAD?+
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 $389,900, this home is listed about 8% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3420 SCHOOLHOUSE ROAD?+
Harmony Community School (elementary), Harmony High School (high), 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
$389,900 runs 27% above the ST CLOUD 34773 median — but at 2,456 sqft it's also 24% larger than the typical St Cloud listing.
02Fresh on the market
Only 1 day on market in a St Cloud market that averages 33 — if it fits, move quickly.
03Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $394,000, now $389,900 — a $4K cut. The full history is in the market section below.
Listing courtesy of KELLER WILLIAMS ADVANTAGE III · Patricia Sanchez Couso. MLS #S5154048.
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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