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$395,000
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Property Description
Own More Home for Less | Estimated Payments from $2,600 with a Fixed 3.99 Rate In today's market, finding a brand-new home with an affordable payment is rare-finding one that also delivers space, privacy, and long-term value is even rarer. This brand-new, spacious 3-bedroom, 2-bath home offers an exceptional opportunity to lock in a fixed 3.99 30-year FHA interest rate, with estimated monthly payments as low as $2,600, making home ownership both achievable and smart right now. From the moment you step inside, the home invites you to slow down and enjoy the space. Ten-foot ceilings throughout create an airy, open feel, while the thoughtfully designed floor plan balances everyday comfort with effortless entertaining. The large living area naturally brings people together, whether you're hosting friends or enjoying a quiet night in. The primary suite feels like a true retreat, featuring vaulted ceilings and direct access to the covered lanai, where you can start your mornings overlooking peaceful conservation views and end your evenings surrounded by nature. This setting offers privacy and tranquility that can't be replicated. At the heart of the home, the kitchen is designed for connection, anchored by a large center island overlooking the living area and a cozy breakfast nook for casual meals. A separate formal dining room adds flexibility and can easily serve as a home office or additional living space. Generously sized secondary bedrooms provide comfort and privacy for family members or guests. Beyond the beauty, this home delivers confidence and value with a 1-year builder warranty and a 10-year structural warranty, offering peace of mind long after move-in. Located in Harmony Central, residents enjoy NO CDD fees, a low HOA, and a community designed for relaxed Florida living. With closing costs available when using the preferred lender and the ability to secure this home with just a $1,000 deposit, the path to ownership is clearer than ever. Why wait? Opportunities like this-combining a low fixed rate, brand-new construction, and serene surroundings-are limited.
Full Property Details
Full Property Details for 4464 Sagefield Dr
General
- Price: $395,000
- HOA FEE: $69/month
- HOA FEE FREQ.: Annually
- Taxes: $698 (2023)
- Status: Active
- Type: Single Family
- Source: MidFloridaRegionalMLS
- MLS ID: O6276985
- Updated: 1/5/2026
- Added to Site: 348 day(s) ago
Rental Information
- Min. Lease: No Minimum
Interior
- Number of Rooms: 8
- Interior Features: Cathedral Ceiling(s), Ceiling Fan(s), In Wall Pest System, Tray Ceiling(s), Vaulted Ceiling(s)
- Appliances: Dishwasher, Disposal, Microwave, Range
- Flooring: Carpet, Ceramic Tile
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Other Rooms
- Laundry: Laundry Room
Exterior
- Exterior Features: Irrigation System, Sidewalk
Parking
- Garage: Yes
- Garage Spaces: 2
- Covered Spaces: 2
Location
- Area: 34773 - St Cloud (Harmony)
- County: Osceola
- Development Name: 34773 - St Cloud (Harmony)
- Subdivision: HARMONY CENTRAL PH 1
- Driving Directions: Take 192 towards St. Cloud continue to go pass Harmony High-school you will shortly see the community on the left hand side of 192 following Harmony Main
- Direction Faces: South
School Information
- Elementary School: Harmony Community School (K-5)
- Middle School: Harmony Middle
- High School: Harmony High
Community
- Community Name: 34773 - St Cloud (Harmony)
- Community Features: Clubhouse, Dog Park, Pool
- Association: Yes
- Assoc. Name: Beth Connor
Heating & Cooling
- Cooling Type: Central Air
- Heating Type: Central
Utilities
- Sewer: Public Sewer
- Water: Public
- Utility Description: Cable TV Available, Electricity Connected, Sewer Connected, Water Connected
Structural Information
- Builder: ADAMS HMS OF NW FLORIDA INC
- Exterior Const.: Block
- Roof: Shingle
- Stories/Levels: One
- Square Feet: 1,970
- Sq. Ft. Source: Builder
- Year Built: 2025
Lot Features
- Lot Size (Acres): 0.14
- Lot Size (Sq. Ft.): 6,098
- Lot Size: 6098
- Street/Road Desc.: Asphalt
Financial Considerations
- Association Fee: $825
- Assoc Fee Freq.: Annually
- Assoc Fee Desc.: Required
- Tax Amount: $698
- Tax Year: 2023
Disclosures and Reports
- Ownership: Fee Simple
- Special Conditions: None
- Legal Description: HARMONY CENTRAL PH 1 PB 32 PGS 120-133 BLK F LOT 36
- Flood Zone Info: X500
- APN: 3226323596000F0360
- Property ID: 3226323596000F0360
- Block/Lot/Section: F
Listed by Adams Homes Realty, Inc.
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Schools
Schools serving 4464 Sagefield Dr
School District:Osceola County School District
| Name | Grades | Distance |
|---|---|---|
Harmony Community School 3365 Schoolhouse Rd, St. Cloud, FL 34773 | PK-5 | 2 mi |
Middle School AA 3725 Arthur J Gallagher Boulevard, St. Cloud, FL 34771 | 6-8 | 1.4 mi |
Harmony High School 3601 Arthur J Gallagher Blvd, St. Cloud, FL 34771 | 9-12 | 1.4 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 4464 Sagefield Dr
Date
Details
Price
Change
Source
12/31/2025
Price Reduced
$395,000
-1.23%
MLS
12/12/2025
Price Reduced
$399,900
-4.76%
MLS
10/10/2025
Price Increased
$419,900
0.02%
MLS
8/14/2025
Price Reduced
$419,800
-0.02%
MLS
2/02/2025
Listed
$419,900
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 4464 Sagefield Dr
Year
Property Taxes
Change
Tax Assessment
Change
2025
$1,544
103%
$60,000
9%
2024
$759
9%
$55,000
10%
2023
$698
1026%
$50,000
1036%
2022
$62
—
$4,400
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 4464 Sagefield Dr
4464 Sagefield Drive, Harmony, FL 34773 (MLS# O6276985) is a Single Family property with 3 bedrooms and 2 full bathrooms. 4464 Sagefield Drive is currently listed for $395,000 and was received on February 02, 2025. Want to learn more about 4464 Sagefield Drive? Do you have questions about finding other Single Family real estate for sale in Harmony? You can browse all Harmony real estate or contact a Coldwell Banker agent to request more information.

