4464 SAGEFIELD DR

St. Cloud, FL 363

Price: $395,000

3 beds | 2 baths | 2 garages
Living area: 1970 sq ft
Year built: 2025

Financial Information

Taxes: $698 (2023)
Total Monthly Assoc. Fees: $69
CDD: No

Subdivision Name: HARMONY CENTRAL PH 1
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Own More Home for Less | Estimated Payments from $2,600 with a Fixed 3.99 Rate

In today’s market, finding a brand-new home with an affordable payment is rare—finding one that also delivers space, privacy, and long-term value is even rarer. This brand-new, spacious 3-bedroom, 2-bath home offers an exceptional opportunity to lock in a fixed 3.99 30-year FHA interest rate, with estimated monthly payments as low as $2,600, making home ownership both achievable and smart right now.

From the moment you step inside, the home invites you to slow down and enjoy the space. Ten-foot ceilings throughout create an airy, open feel, while the thoughtfully designed floor plan balances everyday comfort with effortless entertaining. The large living area naturally brings people together, whether you’re hosting friends or enjoying a quiet night in.

The primary suite feels like a true retreat, featuring vaulted ceilings and direct access to the covered lanai, where you can start your mornings overlooking peaceful conservation views and end your evenings surrounded by nature. This setting offers privacy and tranquility that can’t be replicated.

At the heart of the home, the kitchen is designed for connection, anchored by a large center island overlooking the living area and a cozy breakfast nook for casual meals. A separate formal dining room adds flexibility and can easily serve as a home office or additional living space. Generously sized secondary bedrooms provide comfort and privacy for family members or guests.

Beyond the beauty, this home delivers confidence and value with a 1-year builder warranty and a 10-year structural warranty, offering peace of mind long after move-in. Located in Harmony Central, residents enjoy NO CDD fees, a low HOA, and a community designed for relaxed Florida living.

With closing costs available when using the preferred lender and the ability to secure this home with just a $1,000 deposit, the path to ownership is clearer than ever.

Why wait? Opportunities like this—combining a low fixed rate, brand-new construction, and serene surroundings—are limited.

Land, Site, and Tax Information

Legal description: HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK F LOT 36
Parcel ID: 3226323596000F0360
Lot size: 0.14 acres
Zoning: RES
Front exposure: South
Water access: No-
Water name:

Interior Information

Appliances Incl: , , ,
Utilities: Cable Available, Electricity Connected, Sewer Connected, Water Connected
Flooring covering: ,
A/C: Central Air
Heat/Fuel: Central
Water: Public
Sewer: Public Sewer
Room type Dimensions Level Length Width
Living Room 15.4x17.2 First 17.2 15.4
Bedroom 2 13.4x11.6 First 11.6 13.4
Primary Bedroom 21.4x13.4 First 13.4 21.4
Bedroom 3 13.4x11.4 First 11.4 13.4
Dining Room 9.8x12.4 First 12.4 9.8
Dinette 9x12 First 12 9
Balcony/Porch/Lanai 17x10 First 10 17
Kitchen 9x13 First 13 9

Exterior Information

Ext construction:
Roof:
Foundation:
Architectural style:
Ext features: Irrigation System, Sidewalk
Patio And Porch Features:
Private pool: No
Pool features:

Community Information

Association: Yes
HOA fee: $825
HOA fee frequency: Annually
Fee includes:
Community features: Clubhouse, Dog Park, Pool
Association amenities:
Elementary school: Harmony Community School (K-5)
Middle school: Harmony Middle
High school: Harmony High

Open House History

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