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$469,000 Just Listed
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Property Description
Check it Out! Welcome home to this beautifully maintained 4-bedroom, 3-bathroom home built in 2022, located in a gated golf course community and zoned for the sought-after Harmony neighborhood schools. This one-owner home sits on a premium lot with a fully fenced backyard that backs up to privacy-perfect for relaxing evenings, pets, or playtime. From the moment you arrive, you'll notice the attention to detail, with paver driveway and porches, plantation shutters, crown molding throughout the 1st floor, gutters and a whole-house water system already in place. Inside, the open and functional layout includes a flex room and full bathroom on the main floor-ideal for guests, a home office, or even a playroom. The gourmet kitchen is a true highlight, featuring stainless steel appliances, quartz countertops, and plenty of space for cooking, hosting, and gathering. Upstairs, all bedrooms are conveniently located near the spacious laundry room, keeping chores simple and organized. Whether you're looking for comfort, style, or convenience, this home checks all the boxes. You'll be just minutes from the beaches and less than an hour to Orlando's theme parks and international airport-giving you the best of both Florida fun and everyday practicality. Don't miss your chance to own a move-in-ready home in a great location with top-rated schools!
Full Property Details
Full Property Details for 3204 Oxbow Ct
General
- Price: $469,000
- HOA FEE: $87/month
- HOA FEE FREQ.: Quarterly
- Taxes: $6,065 (2024)
- Status: Active
- Type: Single Family
- Source: MidFloridaRegionalMLS
- MLS ID: S5144242
- Updated: 2/19/2026
- Added to Site: 1 day(s) ago
Rental Information
- Min. Lease: 7 Months
Interior
- Number of Rooms: 7
- Interior Features: Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, Living Room/Dining Room Combo, Solid Surface Counters, Split Bedroom, Thermostat, Window Treatments
- Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Furnishings: Unfurnished
- Flooring: Carpet, Tile
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
Bedrooms
- Total Bedrooms: 4
Other Rooms
- Laundry: Inside, Laundry Room, Upper Level
Additional Information
- Shared Amenities: Clubhouse, Fitness Center, Gated, Golf Course, Playground, Pool
Exterior
- Exterior Features: Irrigation System, Rain Gutters, Sliding Doors
- Deck/Patio: Covered, Front Porch, Rear Porch
- Porch/Patio/Deck: Covered, Front Porch, Rear Porch
Parking
- Garage: Yes
- Attached garage: Yes
- Garage Spaces: 2
- Covered Spaces: 2
Location
- Area: 34773 - St Cloud (Harmony)
- County: Osceola
- Development Name: 34773 - St Cloud (Harmony)
- Subdivision: ENCLAVE AT LAKES OF HARMONY
- Driving Directions: Exit off the turnpike then turn east onto 192 to the 2nd Harmony entrance, or 1st if coming from Melbourne. Turn right onto Five Oaks Dr. Turn left into Harmony Enclave. Go through the gate. At the first stop sign turn left onto Oxbow Ct and the home will be on your left.
- Direction Faces: North
Community
- Community Name: 34773 - St Cloud (Harmony)
- Community Features: Dock, Lake
- Optional Amenities: Clubhouse, Fitness Center, Gated, Golf Course, Playground, Pool
- Association: Yes
- Assoc. Name: MARK HILL
- Assoc. Fees Include: Common Area Taxes, Community Pool, Maintenance Grounds, Maintenance Repairs
- Pet Restrictions: CHECK WITH HOA AND COUNTY
Heating & Cooling
- Cooling Type: Central Air
- Heating Type: Central
Utilities
- Sewer: Public Sewer
- Water: Public
- Utility Description: Electricity Connected
Structural Information
- Builder: JONES USA
- Exterior Const.: Block, Stucco
- Roof: Shingle
- Stories/Levels: Two
- Square Feet: 2,361
- Sq. Ft. Source: Public Records
- Year Built: 2022
Lot Features
- Property View: Trees/Woods
- Lot Size (Acres): 0.11
- Lot Size (Sq. Ft.): 4,792
- Lot Size: 4792
- Frontage: Street Paved
- Street/Road Desc.: Paved, Asphalt
- Fencing (Description): Fenced
Water Features
- Water Front Desc.: Lake
Financial Considerations
- Association Fee: $260
- Assoc Fee Freq.: Quarterly
- Assoc Fee Desc.: Required
- CDD: Yes
- Tax Amount: $6,065
- Tax Year: 2024
Disclosures and Reports
- Ownership: Fee Simple
- Special Conditions: None
- Legal Description: ENCLAVE AT LAKES OF HARMONY PB 31 PGS 23-27 LOT 10
- Flood Zone Info: X
- APN: 202632349600010100
- Property ID: 202632349600010100
- Block/Lot/Section: 1
Listed by Tie Team Realty Llc
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Schools
Schools serving 3204 Oxbow Ct
School District:Osceola County School District
| Name | Grades | Distance |
|---|---|---|
Harmony Community School 3365 Schoolhouse Rd, St. Cloud, FL 34773 | PK-5 | 1.1 mi |
Middle School AA 3725 Arthur J Gallagher Boulevard, St. Cloud, FL 34771 | 6-8 | 1.7 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 3204 Oxbow Ct
Date
Details
Price
Change
Source
2/19/2026
Listed
$469,000
8.54%
MLS
8/26/2022
Sold
$432,100
—
Public Record
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 3204 Oxbow Ct
Year
Property Taxes
Change
Tax Assessment
Change
2025
$6,590
4%
$328,351
3%
2024
$6,315
3%
$319,098
4%
2023
$6,143
117%
$308,245
1955%
2021
$2,832
26%
$15,000
-70%
2022
$2,240
—
$50,000
—
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 3204 Oxbow Ct
3204 Oxbow Ct, Saint Cloud, FL 34773 (MLS# S5144242) is a Single Family property with 4 bedrooms and 3 full bathrooms. 3204 Oxbow Ct is currently listed for $469,000 and was received on February 19, 2026. Want to learn more about 3204 Oxbow Ct? Do you have questions about finding other Single Family real estate for sale in Saint Cloud? You can browse all Saint Cloud real estate or contact a Coldwell Banker agent to request more information.

