3891 SAGEFIELD DRIVE, St. Cloud, FL, 34773 | $385,900

Exceptional Value with Paid Closing Costs and Flexible Financing Options

Opportunities like this don’t come often. Buyers can take advantage of paid closing costs, along with a special fixed 4. 99% interest rate or up to $15, 000 in Flex Cash when using the preferred lender—making this brand-new home both a smart financial move and an easy decision.

This move-in ready, 3-bedroom, 2-bath home is thoughtfully designed for the way you live today. The open floor plan creates a natural flow between spaces, perfect for entertaining guests or enjoying quiet evenings at home. At the heart of the home, the upgraded kitchen features granite countertops throughout, a large center island, and Whirlpool stainless steel appliances, offering both style and functionality.

The main living areas open to peaceful pond views, bringing natural light and a calming backdrop into your everyday routine. It’s a setting that adds privacy, beauty, and a sense of escape you’ll appreciate every day.

The bathrooms are spacious and elegantly finished with granite countertops, maintaining a clean and cohesive design throughout the home. Added peace of mind comes standard with a 1-year builder warranty and a 10-year structural warranty, ensuring confidence well beyond move-in day.

Located in Harmony Central, the final Harmony community, residents enjoy NO CDD fees and a very low HOA—a rare combination that protects long-term value. Community amenities include a resort-style pool with cabanas and a dog park, offering comfort, convenience, and a lifestyle designed to be enjoyed.

If you’ve been waiting for the right home, the right incentives, and the right community—this is the one that brings it all together.

Features

  • Rooms: 10
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2025
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,780
  • Acreage: 0.14
  • Est. Taxes: $759
  • HOA Fee: $825 Annually
  • Pet Policy: Yes
  • Appliances: Convection Oven, Dishwasher, Disposal, Microwave
  • MLS#: O6318642
  • Days on Market: 199 days
  • Website: https://www.raveis.com
    /prop/O6318642/3891sagefielddrive_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/15/2026 12:42:03 AM)
Listing courtesy of ADAMS HOMES REALTY, INC.   Phone: 407-523-1030

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
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To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

3891 SAGEFIELD DRIVE, St. Cloud, FL, 34773

$385,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $308,720 $308,720 $308,720
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.322% 6.156% 5.415%
Monthly Tax Payment $63 $63 $63
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,777 $1,849 $2,461
Total Monthly Payment $1,915 $1,987 $2,599

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.