Now with 4.99 interest fixed or up to $15,000 in Flex Cash Available! Low HOA and NO CDD. Welcome to Harmony Central in St. Cloud, FLa highly desirable community featuring tranquil ponds, open green spaces, and access to top rated schools. Ideally located near the Florida Turnpike, Narcoossee Road, and downtown St. Cloud, this neighborhood offers both convenience and peaceful living. This energy efficient, one story home showcases the popular Adams Homes 2200 floor plan, offering 4 bedrooms and 3 full bathroomsa rare and highly sought after layout. One of the secondary bedrooms includes a full bathroom and a spacious walk in closet, making it ideal for a guest suite, in law accommodations, or a private home office. The open concept design is perfect for everyday living and entertaining. The spacious kitchen features granite countertops, a center island, stainless steel Whirlpool appliances, and premium brand faucets. Additional highlights include a large laundry room, beautifully appointed bathrooms with granite finishes, a generous owners suite with a walk in closet, and a covered lanai ideal for relaxing or entertaining outdoors. The seller is offering $20,000 in Flex Cash remember that $20,000 Flex Cash may be used toward interest rate buy downs and/or prepaid items when using the preferred lender. Seller is also paying closing costs. Community amenities include a beautiful pool and dog park, all within a quiet, family friendly setting. This home is backed by a 1 year builder warranty, 2 year plumbing, electrical, and mechanical warranty, and a 10 year structural warranty, providing peace of mind for years to come.