7520 BENT TREE LOOP, ST CLOUD, FL, 34773
Active221 days on marketListed Dec 10, 2025MLS #O6366526
About this home
7520 BENT TREE LOOP
Imagine coming home to a place where comfort, connection, and lasting memories come together effortlessly. This beautiful floor plan was thoughtfully designed to support the way families live today, offering the perfect balance of open gathering spaces, private retreats, and everyday functionality. With 4 bedrooms, 3 full bathrooms, and a spacious single-story layout, this home creates an inviting atmosphere where family and friends can gather, celebrate, and enjoy life's most meaningful moments. The heart of the home is the expansive open-concept living area, seamlessly connected to a beautifully appointed kitchen featuring a large center island, granite countertops, a walk-in pantry, and Whirlpool stainless steel appliances—an ideal setting for everything from casual breakfasts to holiday celebrations. At the end of the day, the owner's suite provides a peaceful retreat designed for relaxation, complete with dual vanities, a separate shower, and a generous walk-in closet. One of the secondary bedrooms serves as a private guest or mother-in-law suite, featuring its own full bathroom and walk-in closet—an ideal space for extended family, visiting guests, or multi-generational living. The remaining bedrooms provide additional flexibility for a home office, playroom, fitness space, or any lifestyle needs that make a house truly feel like home. Adding even more value, buyers can save thousands through a combination of outstanding incentives, including a $20,000 price reduction, closing cost assistance available through preferred lenders, buyer flex cash opportunities, and the added benefit of NO CDD fees. Together, these savings make homeownership more attainable while enhancing the exceptional value this home already offers. This is more than just a new home—it's a place where memories are made, milestones are celebrated, and your next chapter begins. **Schedule your private tour today and discover why this exceptional home could be the perfect place to create lasting memories for years to come.**
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,200
Sqft
0.14 ac
Lot size
2
Garage
2025
Year built
One
Levels
$190
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.
$2,926 /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
$2,926/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
−4.3%
$/sqft vs HARMONY CENTRAL PH 2
$190 vs $222
Days on market
221 vs 33 typical
Where $190/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 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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
1 of 13
HARMONY CENTRAL PH 2 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% 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 7520 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 · May ’26$439,900
3619 BRIARLYNNE WAY · same community
4 bd · 2.5 ba · 2,202 sqft · $200/sqft · 43 DOM
Sold · Oct ’25$430,900
7485 BENT TREE LOOP · same community
4 bd · 2.5 ba · 2,202 sqft · $196/sqft · 10 DOM
Sold · May ’26$449,900
3639 BRIARLYNNE WAY · same community
4 bd · 2.5 ba · 2,405 sqft · $187/sqft · 38 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 7520 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 7520 BENT TREE LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
7520 BENT TREE LOOP FAQs
What would the monthly payment be for 7520 BENT TREE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,926/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 7520 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 7520 BENT TREE LOOP?+
The most recent tax bill on record (2024) 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 7520 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 $416,900, this home is listed about 2% 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 7520 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
Five things that matter here
01Positioned at the premium end
$416,900 runs 32% above the ST CLOUD 34773 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
221 days on market against a St Cloud median of 33 — 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.
05The price has already moved
Listed at $428,900, now $416,900 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC. · Viviani Moreno De Segovia. MLS #O6366526.
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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