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For sale
    • Price cut: $2K (7/1)
    $495,000

    3224 Oxbow Ct, Saint Cloud, FL 34773

    4beds
    2,732sqft
    : 
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    Single Family Residence
    Built in 2022
    7,405 Square Feet Lot
    $492,000 Zestimate®
    $181/sqft
    $216/mo HOA

    What's special

    Serene screened-in lanaiDedicated office downstairsBeautifully upgraded kitchenSpacious private backyardExpansive sliding glass doorsHigh-end appliances
    Welcome to this stunning, spacious home in the highly sought-after Harmony community—a gated, family-friendly neighborhood known for its top-rated, A-rated schools and exceptional amenities. This thoughtfully designed residence features 4 generous bedrooms, including a luxurious primary suite conveniently located on the main floor. Upstairs, you'll find a versatile layout with one bedroom offering a private ensuite, plus two additional bedrooms, a full bathroom, and a cozy loft. The main level boasts an open-concept design that seamlessly connects the living, dining, and beautifully upgraded kitchen—ideal for both everyday living and entertaining. The kitchen is a true centerpiece, showcasing modern finishes and high-end appliances that will delight any home chef. A dedicated office downstairs offers flexibility and can easily serve as a 5th bedroom. Additional conveniences include a laundry room and a half bath on the main floor. Natural light pours into the home through large windows and expansive sliding glass doors, leading to a serene screened-in lanai. Enjoy peaceful outdoor living with a spacious, private backyard and no neighbors in the front or rear—providing rare privacy and tranquility. Living in Harmony means access to incredible amenities, including two resort-style pools, a splash pad, basketball and volleyball courts, a soccer field, boat dock, scenic nature trails, and dog parks—all surrounded by beautiful natural landscapes. Don’t miss the opportunity to own this exceptional home in one of the area’s most desirable communities!
    109 days
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    88
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    8
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    Zillow last checked:

    Listing updated:

    Listed by:

    Rachel Coolidge 207-522-0838,

    FIERCE REALTY 407-758-5179,

    Amy Harris 863-280-5777,

    FIERCE REALTY

    Source: Stellar MLS,MLS#: S5146906MLS LogoOriginating MLS: Orlando Regional

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Primary bedroom
      • Features: Walk-In Closet(s)
      • Level: First
      • Area: 235.2 Square Feet
      • Dimensions: 16.8x14
      Kitchen
      • Level: First
      • Area: 210 Square Feet
      • Dimensions: 15x14
      Living room
      • Level: First
      • Area: 288 Square Feet
      • Dimensions: 16x18
      Loft
      • Level: Second
      • Area: 130 Square Feet
      • Dimensions: 13x10
      Heating
      • Electric
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Disposal, Microwave, Refrigerator
      • Laundry: Laundry Room
      Features
      • Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, PrimaryBedroom Upstairs, Split Bedroom, Thermostat, Walk-In Closet(s)
      • Flooring: Carpet, Luxury Vinyl
      • Doors: Sliding Doors
      • Has fireplace: No
      Interior area
      • Total structure area: 3,518
      • Total interior livable area: 2,732 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage - Attached
      • Attached garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Exterior features: Irrigation System, Sidewalk
      Lot
      • Size: 7,405 Square Feet
      Details
      • Parcel number: 202632349600010050
      • Zoning: RES
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Block
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2022

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Connected, Electricity Connected, Public, Water Connected

      Community & HOA

      Community
      • Pet fee: $0 monthly
      • Subdivision: ENCLAVE AT LAKES OF HARMONY
      HOA
      • Has HOA: Yes
      • HOA fee: $216 monthly
      • HOA name: Association Solutions, Mark Hill
      • HOA phone: 407-847-2280
      Location
      • Region: Saint Cloud

      Financial & listing details

      • Price per square foot: $181/sqft
      • Tax assessed value: $435,500
      • Annual tax amount: $8,641
      • Date on market: 4/1/2026
      • Cumulative days on market: 109 days
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Paved

        Estimated market value

        $492,000

        $467,000 - $517,000

        $2,931/mo

        Price history

        DateEventPrice
        7/1/2026Price change$495,000-0.4%$181/sqft
        Source: Stellar MLS #S5146906 Report a problem
        6/18/2026Price change$497,000-0.2%$182/sqft
        Source: Stellar MLS #S5146906 Report a problem
        5/13/2026Price change$498,000-0.1%$182/sqft
        Source: Stellar MLS #S5146906 Report a problem
        5/5/2026Price change$498,500-0.1%$182/sqft
        Source: Stellar MLS #S5146906 Report a problem
        4/24/2026Price change$499,000-0.2%$183/sqft
        Source: Stellar MLS #S5146906 Report a problem
        4/1/2026Listed for sale$499,999-1.6%$183/sqft
        Source: Stellar MLS #S5146906 Report a problem
        7/17/2025Listing removed$507,900$186/sqft
        Source: Stellar MLS #S5128075 Report a problem
        7/16/2025Price change$507,9000%$186/sqft
        Source: Stellar MLS #S5128075 Report a problem
        7/10/2025Price change$507,9990%$186/sqft
        Source: Stellar MLS #S5128075 Report a problem
        6/14/2025Price change$508,000-3%$186/sqft
        Source: Stellar MLS #S5128075 Report a problem
        6/10/2025Price change$523,8000%$192/sqft
        Source: Stellar MLS #S5128075 Report a problem
        6/3/2025Price change$523,9000%$192/sqft
        Source: Stellar MLS #S5128075 Report a problem
        6/1/2025Listed for sale$524,000$192/sqft
        Source: Stellar MLS #S5128075 Report a problem
        4/21/2025Listing removed$524,000$192/sqft
        Source: Stellar MLS #S5117961 Report a problem
        3/10/2025Price change$524,000-0.2%$192/sqft
        Source: Stellar MLS #S5117961 Report a problem
        1/8/2025Listed for sale$524,900-1.9%$192/sqft
        Source: Stellar MLS #S5117961 Report a problem
        11/4/2024Listing removed$535,000$196/sqft
        Source: Stellar MLS #S5112815 Report a problem
        9/25/2024Listed for sale$535,000+21.2%$196/sqft
        Source: Stellar MLS #S5112815 Report a problem
        10/3/2022Sold$441,300$162/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$8,641 +2.1%$435,500 +0.3%
        2024$8,460 +1%$434,200 +1.5%
        2023$8,375 +273.8%$427,900 +755.8%
        2022$2,240 -20.9%$50,000 +233.3%
        2021$2,832 $15,000
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: Harmony

        Getting around

        1 / 100
        Car-Dependent
        25 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Harmony Community School (K-5)
        • Middle: Harmony Middle
        • High: Harmony High

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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