34773 Homes under $400,000

34773 Homes under $400,000

Welcome to the vibrant community of zip code 34773, nestled in the heart of Osceola County, Florida! This charming area is known for its picturesque landscapes, friendly neighborhoods, and a strong sense of community. With easy access to major highways and local amenities, residents enjoy the perfect blend of suburban tranquility and urban convenience.

If you’re in the market for a new home, you’ll be delighted to discover that 34773 offers a variety of properties under $400,000. Whether you’re a first-time homebuyer, looking to downsize, or searching for an investment opportunity, this area boasts an impressive selection of homes that cater to diverse lifestyles and budgets. From cozy single-family homes to modern townhouses, there’s something for everyone in this thriving community.

The neighborhood is surrounded by stunning natural beauty, with nearby parks and recreational areas perfect for outdoor enthusiasts. Residents can enjoy hiking, biking, and picnicking in the great Florida sunshine. Additionally, the community is well-served by schools, shopping centers, and dining options, making it an ideal place for families and professionals alike.

As you explore the possibilities in zip code 34773, you'll find that this area not only offers affordable housing options but also a welcoming environment that fosters connections and a sense of belonging. Come discover your dream home in this delightful corner of Florida, where comfort, community, and affordability come together seamlessly!

Newest 34773 Homes under $400,000

5025 Apollo Ave, St Cloud
$359,000
2 Beds ⋅ 2 Baths ⋅ Canaveral Acres 1 SubDv. ⋅ 34773 Zip Code
NO HOA + NO CDD! Welcome to your own private retreat in Canaveral Acres! This brand-new 2-bedroom, 2 bathroom Lake Manor model is situated on a spacious 1.18-acre of land, offering the perfect combination of privacy, tranquility, and freedom. The open floor plan creates a welcoming atmosphere with plenty of space to relax and entertain. The kitchen is truly the heart of this home, featuring a center island, brand-new stainless-steel appliances, abundant counter space, and an impressive amount of cabinet storage. The spacious primary suite offers a large walk-in closet and en-suite bathroom with a dual-sink vanity. The second bedroom also features a generous closet. Step outside and enjoy the incredible front porch, perfect for relaxing and taking in the peaceful surroundings. With NO HOA, there is plenty of flexibility for your lifestyle, including room for your boat, RV, pool, recreational equipment, and more! Canaveral Acres offers a peaceful escape from the hustle and bustle while keeping you within easy reach of Central Florida's many amenities and attractions. Enjoy nearby Harmony with golfing, hiking, parks, and outdoor recreation, while the beautiful beaches are approximately 30 minutes away. Whether you're looking for a private retreat, room to spread out, or a place to enjoy the Florida lifestyle, this property offers it all. Don't miss your opportunity to own your own slice of paradise in Canaveral Acres! This brand-new Lake Manor model is a must-see!

5025 Apollo Ave, St Cloud
2898 Turnstone Run, St Cloud
$359,990
4 Beds ⋅ 2 Baths ⋅ Villages At Harmony Ph 1c-2 SubDv. ⋅ 34773 Zip Code
DR Horton better than new that includes Free and clear $40K solar Panels for years and years of energy savings. Priced thousands below appraisal and or any comparable property in the entire Harmony West subdivision, this 2022-built residence delivers a rare opportunity to own a home that feels better than new. A True Masterpiece Awaits 4 Bedrooms | 2 Full Baths | Freshly Painted Discover modern comfort in the highly sought-after Wiregrass community. This 2022 home looks and feels brand new, with fresh interior paint and move-in ready condition—ready for you to create lasting memories. Bright, Open Living Designed for Real Life Enjoy an airy open-concept layout with a true split-bedroom floor plan that floods every room with natural light. Perfect for relaxed family living or effortless entertaining. Chef’s Dream Kitchen • Solid wood cabinetry • Premium granite countertops • Upgraded stainless steel appliances • Expansive center island with seating for gathering • Ample walk-in pantry storage The kitchen opens beautifully to the dining and living areas, featuring durable tile flooring, stylish modern pendant lighting, and wide-open views. Entertaining has never been easier. Smart Ownership Advantage low HOA means you keep more of your money every month. This Is the One You’ve Been Waiting For This is not just another house in Harmony West—it’s the standout opportunity in the neighborhood. A 2022-built home that looks and feels brand new, priced significantly below both appraisal and the competition, with the exact floor plan and upgrades buyers are searching for. Don’t wait. Homes like this don’t last. Schedule your private showing today. Buyer is responsible for their own due diligence, including but not limited to verifying HOA information, community rules, square footage, lot size, room dimensions, and taxes. *Some Photos have been Virtually Staged*

2898 Turnstone Run, St Cloud
3098 House Finch Road, St Cloud
$368,990
4 Beds ⋅ 2 Baths ⋅ Harmony West SubDv. ⋅ 34773 Zip Code
Under Construction. The Harper floorplan offers a 4-bedroom, 2-bathroom home with 1,665 sq ft of living space. It sits on a large corner lot. Features include quartz and Revwood floors, an open layout, a spacious living room with natural light, a chef's kitchen with quartz countertops and stainless steel appliances, and a primary suite with a private ensuite bathroom. This all concrete block construction home also includes smart home technology for control via smart devices. *Photos are of similar model but not that of exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

3098 House Finch Road, St Cloud
3417 Sagebrush Street, St Cloud
$294,500
2 Beds ⋅ 2 Baths ⋅ Harmony Nbhd I SubDv. ⋅ 34773 Zip Code
Welcome to resort-style living in the gated, 55+ age-restricted enclave of The Lakes at Harmony! This beautifully designed single story home offers an ideal split-floorplan featuring 2 bedrooms, 2 full baths, a 2 car garage, and a versatile front flex room/den that easily serves as a 3rd bedroom or home office. At the heart of the home, the open concept living, dining, and kitchen area is bathed in natural light and anchored by easy care tile flooring. The chef inspired kitchen boasts quartz countertops, stainless steel appliances, and an expansive oversized island perfect for casual dining and entertaining. Tucked away at the rear of the home for ultimate privacy, the spacious primary suite offers plush carpet, an expansive walk-in closet, and a spa like en-suite bath with a walk-in shower. A dedicated interior laundry room adds everyday convenience. Step outside to the covered, screened lanai to take in stunning, peaceful backyard views. Enjoy exclusive access to active adult amenities alongside everything the master planned Harmony community has to offer!

3417 Sagebrush Street, St Cloud
7714 Bent Tree Loop, St Cloud
$387,900
4 Beds ⋅ 2 Baths ⋅ Harmony Central Ph 2 SubDv. ⋅ 34773 Zip Code
SAVE UP TO APPROXIMATELY $2,401.90 PER YEAR IN CDD ASSESSMENTS + $10,000 FLEX CASH + THOUSANDS IN CLOSING-COST SAVINGS! Imagine unlocking the door to a brand-new home where the layout works for everyday life and the incentives help keep more money in your budget. Welcome to 7714 Bent Tree Loop. Now offered at $387,900, this move-in-ready Adams Home features single-story layout; fourth bedroom can serve as office or flex room. This 4-bedroom, 2-bath 1820B plan gives you room to adapt. Use the additional bedroom for guests, remote work, hobbies or storage without sacrificing the main living areas. The open-concept living area connects naturally to the kitchen, where granite countertops, Whirlpool stainless-steel appliances, generous cabinetry and a large center island create an inviting place for meals and entertaining. The private primary suite provides a comfortable retreat, while the covered lanai extends the living space outdoors. Harmony Central has NO CDD. Compared with the highest published FY2026 annual CDD assessment of approximately $2,401.90 in certain nearby competing new-home communities, that represents savings of approximately $200 per month—or nearly $24,019 over 10 years if the assessment remained unchanged. This home also receives $10,000 IN FLEX CASH that can be used to lower the interest rate and create even more savings on the monthly mortgage payment. When using the builder’s preferred lender, the BUILDER PAYS CLOSING COSTS EXCLUDING PREPAIDS—saving buyers thousands more at closing. Secure this home with only a $1,000 deposit. Harmony Central also offers a low HOA, a community pool with cabanas, a dog park and walking trails—all without the additional CDD assessment. NEW PRICE: $387,900 SINGLE-STORY LAYOUT; FOURTH BEDROOM CAN SERVE AS OFFICE OR FLEX ROOM NO CDD $10,000 FLEX CASH BUILDER-PAID CLOSING COSTS ONLY $1,000 DEPOSIT This is an opportunity to enjoy a brand-new home, lower the interest rate and keep more money in your budget every month. Schedule your private showing today before the current incentives change. CDD comparison is based on the highest published FY2026 assessment for certain nearby properties and varies by lot size, bond area and property. The 10-year figure is a simple projection assuming no assessment changes. Builder-paid closing costs exclude prepaids and require the use of a preferred lender. The use of Flex Cash, financing programs and incentives is subject to current lender and program guidelines and availability.

7714 Bent Tree Loop, St Cloud
9445 Helena Drive, St Cloud
$394,000
3 Beds ⋅ 2 Baths ⋅ Canaveral Acres 2 SubDv. ⋅ 34773 Zip Code
Virtually Staged. **Acreage, Space, No HOA & Serious Garage Potential!** Welcome to 9445 Helena Dr, a 3-bedroom, 2-bath manufactured home situated on approximately **1.849 acres** with a peaceful pond view and **NO HOA**. With plenty of land and flexibility, this property offers room for vehicles, hobbies, projects, equipment, outdoor activities, or simply enjoying the privacy that comes with acreage. The property features a **3-bay detached garage**, including a carport and **car lift**, making it ideal for automotive enthusiasts, a workshop, or additional storage. The garage also includes a workbench, while updated electrical wiring in the shop is designed to accommodate a welder. Two additional sheds with electricity provide even more storage and workspace options. Outdoor living is easy here with a **recently rebuilt uncovered backyard deck**, a fire pit with an updated swing structure, and a pond view that adds to the property's peaceful setting. The entrance gate has also been upgraded with a new motor. Inside the home, the seller has completed numerous important improvements, including **new subflooring, new insulation underneath the home, new belly wrap, and new supply and ductwork underneath the home**. Additional ventilation has been added to the home's underpinning, along with a crawl-space fan and a commercial-grade outdoor dehumidifier that can be plugged in for additional moisture control. The patio roof has been sealed, and the bathrooms feature new tile. The primary bedroom now includes a convenient walk-in closet. A **water softener** is also included. The seller is willing to provide a **credit toward flooring**, giving the new owner an opportunity to choose finishes that fit their style. With nearly two acres, a pond view, **no HOA**, substantial garage and workshop space, multiple outbuildings, and numerous improvements already completed, this property offers a rare combination of land, functionality, and flexibility.

9445 Helena Drive, St Cloud
3311 Pond Pine Road, Harmony
$341,000
3 Beds ⋅ 3 Baths ⋅ Birchwood Nbhds B & C SubDv. ⋅ 34773 Zip Code
3311 Pond Pine Rd is a two-story Saint Cloud home built in 2004 with 2,366 square feet, three bedrooms, two full bathrooms, and one half bathroom. The kitchen includes wood cabinetry, generous counter space, and a breakfast bar that connects to the dining and living areas. Hardwood floors, built-in shelving, and broad windows shape the main level. Upstairs, the primary bathroom includes two vanities, a soaking tub, and a separate glass shower. Additional bedrooms provide space for sleeping, work, or hobbies. A laundry room and two-car garage add practical storage, while covered front and rear outdoor areas extend the living space. Included 100-Day Home Warranty with buyer activation

3311 Pond Pine Road, Harmony
7171 Carib Grackle Drive, St Cloud
$384,990
3 Beds ⋅ 2 Baths ⋅ Villages At Harmony Pb 2c & 2d SubDv. ⋅ 34773 Zip Code
Welcome to modern luxury in the highly desirable community of Harmony West! Built in 2024, this immaculate 3-bedroom, 2-bathroom home offers a bright, open-concept floor plan designed for contemporary living. The spacious kitchen features sleek stone countertops, a full suite of stainless-steel appliances, and a seamless flow into the main living and dining areas—perfect for entertaining. The private primary suite boasts an en-suite bath and a generous walk-in closet. Step outside to your fully fenced backyard, offering a private retreat for outdoor relaxation or weekend gatherings. Additional highlights include a convenient 2-car garage, smart home technology, and energy-efficient construction. Residents of Harmony West enjoy fantastic resort-style amenities, including a clubhouse, sparkling community pool, fitness center, and playgrounds. Conveniently located near local schools, shopping, dining, and major highways. Schedule your private tour today and make this stunning property your next home!

7171 Carib Grackle Drive, St Cloud
2842 Common Crane Court, Harmony
$300,000
3 Beds ⋅ 2 Baths ⋅ Villages At Harmony Ph 1c-2 SubDv. ⋅ 34773 Zip Code
Short Sale. At the heart of this 2022-built home is an open kitchen anchored by a center island, walk-in pantry, and breakfast bar — the kind of space that keeps cooking and gathering in one bright, connected room. The kitchen flows into the main living and dining area under a single-story, open floorplan with ceiling fans throughout. Three bedrooms and two full baths are set in a low-maintenance block-and-concrete home with a shingle roof, vinyl-fenced yard, covered porch, and patio. A two-car attached garage adds everyday convenience, and a security system with cameras is already in place. Located in Harmony West, with access to a clubhouse, fitness center, community pool, dog park, and playground. HOA is just $100/quarter. Nearly new and move-in ready — schedule your showing today.

2842 Common Crane Court, Harmony
2915 Turnstone Run, St Cloud
$399,900
4 Beds ⋅ 3 Baths ⋅ Villages At Harmony Ph 1c-2 SubDv. ⋅ 34773 Zip Code
Welcome to 2915 Turnstone Run in St. Cloud! This inviting home offers a comfortable layout and a great opportunity to own a property in a desirable Central Florida community. The home provides a welcoming living space with plenty of potential to make it your own. Conveniently located near shopping, dining, schools, parks, and major roadways, making everyday living and commuting easy. Whether you are looking for a primary residence or an investment opportunity, this property is ready to welcome its new owner. Schedule your private showing today!

2915 Turnstone Run, St Cloud
5340 Topeka Avenue, St Cloud
$330,000
3 Beds ⋅ 2 Baths ⋅ Canaveral Acres 3 SubDv. ⋅ 34773 Zip Code
Brand new, never-lived-in 3-bedroom, 2-bath manufactured home situated in almost 1 acre lot in the peaceful countryside of St. Cloud! This thoughtfully designed split-bedroom floor plan maximizes living space with minimal wasted hallway area. The private primary suite is located on one end of the home, while two guest bedrooms and a full bath are positioned on the opposite side for added privacy. The spacious living room flows seamlessly into the bright, modern kitchen and family-sized dining area, creating an open and inviting space for everyday living and entertaining. Built to the U.S. Department of Energy's Zero Energy Ready Home manufactured housing standards, this home features insulated exterior doors, sealed ductwork, Pfister bathroom fixtures, Energy Star Frigidaire appliances, an ecobee smart thermostat, and is solar-ready for added energy efficiency. With NO HOA, you'll have the flexibility to park your RV, boat, trailers, work vehicles, and recreational toys right on your own property. Located near Historic Downtown St. Cloud, shopping, restaurants, parks, and the St. Cloud Lakefront on East Lake Tohopekaliga, you'll enjoy easy access to boating, fishing, walking trails, and other outdoor recreation. Conveniently located just 45 minutes from Melbourne Beach, you can enjoy easy coastal getaways while still having the space and freedom that a large homesite provides. The property is also served by Osceola County schools, including Harmony Community School, Harmony Middle School, and Harmony High School (buyer to verify school assignments). If you're looking for a beautifully updated home with land, flexibility, and room to enjoy the Florida lifestyle, this property is ready to welcome you home.

5340 Topeka Avenue, St Cloud
2532 Harmonia Hammock Road, St Cloud
$360,000
3 Beds ⋅ 2 Baths ⋅ Villages At Harmony Ph 1c-2 SubDv. ⋅ 34773 Zip Code
Welcome to this inviting 3-bedroom, 2-bath home featuring a spacious, open-concept layout designed for comfortable everyday living and entertaining. The kitchen flows seamlessly into the family room and offers a generous island with ample prep space and a convenient breakfast bar. The adjoining dining area provides plenty of room for a 4- or 6-person table. The thoughtfully designed floor plan offers flexible living spaces, allowing everyone to enjoy their own area for relaxing, working, studying, or hobbies. The primary suite features a walk-in closet, linen storage, walk-in shower, and dual-sink vanity. A wonderful opportunity to enjoy a functional layout with space to fit a variety of lifestyles.

2532 Harmonia Hammock Road, St Cloud
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