Lacie Springstead
$495,000$499,9995 bd3 ba2,601 sqft$190 /sqft$3,992 /mo all-in ↓

2780 SWOOPING SPARROW DRIVE, ST CLOUD, FL, 34773

Active134 days on marketListed Mar 12, 2026MLS #S5145538

Reduced $5KSingle Family ResidenceVILLAGES/HARMONY PH 2A

About this home

2780 SWOOPING SPARROW DRIVE

Seller will help with closing costs or buy down interest rate!! Why wait for a new build when you can get this Hayden model that has already been improved with a dedicated office space! Welcome to the Hayden floor plan in the highly desirable Harmony West community—a spacious two-story home offering 5 bedrooms, 3 full bathrooms, and a dedicated office space or playroom, thoughtfully designed for modern living. This beautifully designed home features an open-concept layout that seamlessly connects the kitchen, dining area, and great room, all overlooking a large backyard with peaceful pond and conservation views. Expansive windows and sliding glass doors fill the space with natural light, creating a bright and inviting atmosphere throughout. The well-appointed kitchen is ideal for both everyday living and entertaining, showcasing a large island with bar seating, granite countertops, stainless steel appliances, and ample cabinet space. The first floor also includes two versatile flex rooms—perfect for a home office, playroom, or additional living area—along with a guest bedroom and full bathroom, providing excellent flexibility for visitors or multi-generational living. Upstairs, the spacious primary suite offers a private en-suite bathroom, while three additional bedrooms are centered around a second living area. You’ll also find another full bathroom and a conveniently located laundry room. Brand-new carpeting and only one previous owner make this home feel nearly new and completely move-in ready. Situated on a generously sized lot, the expansive backyard provides plenty of space for outdoor entertaining, family gatherings, or creating your own private oasis—all with serene water and conservation views. The home includes all appliances, including the washer and dryer, making your move seamless and convenient. Like all homes in Harmony West, this property features Home Is Connected Smart Home technology, allowing you to control key features from your smart device whether you’re home or away. Residents of Harmony West enjoy resort-style amenities, including a community pool, fitness center, and beautifully maintained common areas that foster a vibrant and active lifestyle. Families will appreciate being zoned for highly rated Osceola County schools, including Harmony Community School (PK–5) less than 2 miles away, Harmony Middle School approximately 2.3 miles away, and Harmony High School about 2 miles from the home. This home brings together space, modern features, a fantastic location, and move-in-ready convenience. Schedule your private showing today and experience all that this exceptional Harmony West home and community provide.

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

2,601

Sqft

0.22 ac

Lot size

2

Garage

2023

Year built

Two

Levels

$190

Per sqft

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Microwave · Range
InteriorEating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSoutheast
ExteriorIrrigation System · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$37/mo
Taxes (2025)$7,948/yr
PetsCats OK, Dogs OK
CommunityClubhouse · Deed Restrictions · Fitness Center · Playground · Pool

Utilities & systems

UtilitiesCable Available · Electricity Available · Phone Available · Sewer Connected · Street Lights · Underground Utilities · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$3,992 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,914
FHA mortgage insurance (est.)$219
Property tax — 2025 actual bill$662
HOA fee — from the listing$37
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,325Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,325
Interest rate6.00%
Loan term

Estimated payment

$3,992/mo

Principal & interest$2,914
FHA mortgage insurance (est.)$219
Property taxes (actual bill)$662
HOA / condo fee$37
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $495K
$425KedgeAI estimate $448,471 · range $443K$455K$515K

vs edgeAI estimate

+10.4%

$/sqft vs St Cloud actives

$190 vs $220

Days on market

134 vs 33 typical

Where $190/sqft sits among the 400 St Cloud actives

98 · this home
130
87
37
13
35
$156–192$192–228$228–264$264–300$300–335$335+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside St Cloud

Map of 2780 SWOOPING SPARROW DRIVE

Drive times from this address

Universal Orlando44 min
Walt Disney World45 min
Orlando Int’l Airport (MCO)45 min
Downtown Orlando45 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Cloud. See the full St Cloud guide →

ST CLOUD 34773 — neighborhood snapshot

Population

5,495

Median age

38.2

Median income

$64,498

Median home value

$312,500

Avg household

3.06

Households w/ children

629

For the school run

Osceola County School District

HighHarmony High School★★★★★
ElementaryHarmony Community School★★★★
MiddleNarcoossee Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

196 of 400

St Cloud actives have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 63% above the ST CLOUD 34773 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $495,000 $5K
Mar 12, 2026Listed at $499,999 · 134 days on market since
2023Built · VILLAGES/HARMONY PH 2A

Reality check

What actually sold near 2780 SWOOPING SPARROW DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2797 HOUSE FINCH ROADSold · Jan ’26

$449,990

2797 HOUSE FINCH ROAD

5 bd · 3 ba · 2,601 sqft · $173/sqft · 61 DOM

2786 HOUSE FINCH ROADSold · Nov ’25

$454,990

2786 HOUSE FINCH ROAD

5 bd · 3 ba · 2,601 sqft · $175/sqft · 67 DOM

2815 HOUSE FINCH ROADSold · Dec ’25

$434,990

2815 HOUSE FINCH ROAD

5 bd · 3 ba · 2,601 sqft · $167/sqft · 38 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Lacie Springstead

Your agent

Lacie Springstead

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2780 SWOOPING SPARROW DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2780 SWOOPING SPARROW DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2780 SWOOPING SPARROW DRIVE FAQs

What would the monthly payment be for 2780 SWOOPING SPARROW DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,992/mo — principal and interest, the actual property-tax bill, the $37/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 2780 SWOOPING SPARROW DRIVE?+

The association fee works out to $37 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2780 SWOOPING SPARROW DRIVE?+

The most recent tax bill on record (2025) was $7,948. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 2780 SWOOPING SPARROW DRIVE?+

The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Cloud?+

At $495,000, this home is listed about 16% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2780 SWOOPING SPARROW DRIVE?+

Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$495,000 runs 63% above the ST CLOUD 34773 median — but at 2,601 sqft it's also 31% larger than the typical St Cloud listing.

02Time on market is leverage

134 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $499,999, now $495,000 — a $5K cut. The full history is in the market section below.

Listing courtesy of FIERCE REALTY · Amy Harris. MLS #S5145538.

IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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