3481 MIDDLEBROOK PL, St. Cloud, FL, 34773 | $539,000

Welcome to this stunning home built by Meritage Homes, featuring the highly sought after Montclair model! This energy efficient home offers block construction on the first floor and spray foam insulation on the second floor, providing both durability and comfort. Boasting 5 bedrooms, 2. 5 bathrooms, and a 2-car garage, this beautifully designed residence seamlessly combines style and functionality. From the moment you arrive, you’ll be impressed by the attractive stone paver driveway and walkway, setting the tone for what awaits inside.
Step into a thoughtfully designed floor plan featuring separate formal living and dining rooms at the front of the home, perfect for entertaining. The heart of the home is the spacious kitchen, complete with upgraded 42” wood cabinets, quartz countertops, stainless steel appliances, a range hood, recessed lighting, a cozy nook, and a large island overlooking the family room, ideal for open-concept living.
The first floor also includes a versatile flex room, perfect for a home office, den, or playroom. Throughout the home, you’ll find no carpet featuring hardwood flooring on the first floor and new laminate flooring upstairs. Upstairs, enjoy a generous layout with all bedrooms plus a large game room, offering additional living and entertainment space. The owner’s suite is a private retreat, featuring a spacious walk-in closet and an en-suite bathroom with dual sinks, a garden tub, and a separate shower. Step outside to your fenced backyard oasis, complete with a covered rear porch, paver walkway, and a custom fire pit, perfect for relaxing evenings or entertaining guests. This exceptional Montclair model truly offers the perfect blend of elegance, comfort, and modern living. Don’t miss your opportunity to call this beautiful home yours! Don’t miss your opportunity to call this beautiful home yours! Ideally located near Harmony Community School, this home offers golf cart friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida’s East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don’t miss your opportunity to own this move in ready home. Schedule your private showing today! Buyer to verify all room measurements.

Features

  • Amenities: Fitness Center, Park, Playground, Pool, Tennis Court(s), Trail(s)
  • Rooms: 13
  • Bedrooms: 5
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Traditional
  • Year Built: 2017
  • Garage: 2-car Driveway
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,467
  • Acreage: 0.27
  • Est. Taxes: $7,215
  • HOA Fee: $111 Annually
  • Lot Desc: Sidewalk
  • View: Trees/Woods
  • Elem. School: Harmony Community School (K-5)
  • Middle School: Harmony Middle
  • High School: Harmony High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Range, Refrigerator
  • MLS#: S5147896
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/S5147896/3481middlebrookpl_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 4/22/2026 10:06:45 PM)
Listing courtesy of CORCORAN CONNECT LLC   Phone: 407-953-9118

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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3481 MIDDLEBROOK PL, St. Cloud, FL, 34773

$539,000

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 $431,200 $431,200 $431,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.403% 6.431% 5.668%
Monthly Tax Payment $601 $601 $601
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,582 $2,655 $3,495
Total Monthly Payment $3,275 $3,348 $4,188

* 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.