3322 BRACKEN FERN DR, St. Cloud, FL, 34773 | $484,500

Under contract-accepting backup offers. We have a special home here in the original Harmony in St. Cloud, Florida! Featuring a beautifully updated 3 bedroom, 2. 5 bath home that truly stands out from anything else you’ll find in this community. From the moment you arrive, you’re welcomed by this charming front porch that is perfect for morning coffee or winding down in the evenings. Let’s step inside, the home has been thoughtfully updated from top to bottom. You will immediately notice the attention to detail, crown molding, plantation shutters, and an electric fireplace. The backyard is a dream. You have a stunning screened in pool with travertine flooring, an outdoor shower, a full summer kitchen and even your own pizza oven. And the view? Is priceless! Absolutely incredible views with Wide open water views over the pond, with nightly sunsets. This is the kind of space where you’ll entertain, relax, and make memories every single day. Check out the garage, has a small workout room. And let’s not forget there is also a covered two-car carport, and a paver driveway that adds to the home’s curb appeal and functionality. As you walk in the home the office is to the left and has an accent wall. Beautiful tile runs throughout the downstairs and there is so much natural light. The plantation shutters, crown molding and fireplace complement the floorplan. The kitchen is open bright and has a perfect spot to eat, you even have a door that leads to the driveway. Let’s head upstairs and check out 3 bedrooms and two bathrooms. The water proof herring bone floors flow throughout. The primary suite has its own private balcony, crown, molding, and electric fireplace as you walk into the en suite. You have dual sinks freestanding tub and a beautifully updated shower with dual shower heads. You even have a custom designed closet with built-in organizers, everything has its place! Bedrooms 2 & 3 each have large walk in closets and are joined by a jack n Jill bathroom. The bathrooms have been completely remodeled including the primary suite. The garage has been upgraded with a dedicated workout space. Now let’s talk about peace of mind, because the big ticket items are already done for you. A brand new roof in 2025, new water heater, new water softener and the AC has been replaced. This is the kind of home where you can move in and just enjoy. Homes like this… they don’t come around often. This isn’t just another house in Harmony, this is a one of a kind opportunity to own something truly special. If you’ve been waiting for that perfect blend of upgrades, outdoor living, and a peaceful water view, this might be the one. 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: Basketball Court, Fitness Center, Golf Course, Park, Playground, Pool, Tennis Court(s), Trail(s)
  • Rooms: 10
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Traditional
  • Year Built: 2007
  • Garage: 2-car Driveway
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,956
  • Acreage: 0.14
  • Est. Taxes: $5,430
  • HOA Fee: $100 Annually
  • Lot Desc: Sidewalk
  • View: Water
  • Water Front: Yes
  • Elem. School: Harmony Community School (K-5)
  • Middle School: Harmony Middle
  • High School: Harmony High
  • Pool: In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: S5148441
  • Days on Market: 7 days
  • Website: https://www.raveis.com
    /prop/S5148441/3322brackenferndr_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 5/20/2026 3:17:08 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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3322 BRACKEN FERN DR, St. Cloud, FL, 34773

$484,500

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 $387,600 $387,600 $387,600
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.776% 6.078%
Monthly Tax Payment $453 $453 $453
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,387 $2,482 $3,245
Total Monthly Payment $2,914 $3,009 $3,772

* 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.