2688 MEADOW CREST DRIVE, ST CLOUD, FL, 34773
Active30 days on marketListed Jun 21, 2026MLS #O6417932
About this home
2688 MEADOW CREST DRIVE
MOVE-IN READY! Welcome to the Carmel, a spacious and thoughtfully designed floorplan in the desirable Cyrene community at Harmony. This home boasts 1409 of luxurious living space, offering 3 bedrooms, 2.5 bathrooms, and a wealth of features that cater to both comfort and style. Step inside to an inviting open-concept layout where natural light pours through large windows, highlighting the high-end finishes and modern details throughout. The kitchen is a chef’s dream, equipped with a large center island, and ample cabinetry, perfect for meal prep or entertaining guests. The expansive great room seamlessly flows into the dining area, creating the ideal setting for both relaxing and hosting. The primary suite is a serene retreat, featuring a spacious bedroom, a walk-in closet, and a luxurious en-suite bath with dual vanities, Two additional well-appointed bedrooms provide plenty of space. Additional highlights include a two-car garage, a convenient laundry room, and energy-efficient features throughout the home. Located in the desirable Harmony community, residents enjoy access to top-rated schools, parks, community pool.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,409
Sqft
0.04 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$231
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$2,484 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,484/mo
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.
vs edgeAI estimate
−1.9%
$/sqft vs St Cloud actives
$231 vs $220
Days on market
30 vs 33 typical
Where $231/sqft sits among the 400 St Cloud actives
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
192 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 6% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2688 MEADOW CREST DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$324,990
6497 HORSESHOE LANE WAY · same community
3 bd · 2.5 ba · 1,409 sqft · $231/sqft · 56 DOM
Sold · Apr ’26$324,990
6517 HORSESHOE LANE WAY · same community
3 bd · 2.5 ba · 1,409 sqft · $231/sqft · 63 DOM
Sold · Aug ’25$334,990
6454 HORSESHOE LANE WAY · same community
3 bd · 2.5 ba · 1,409 sqft · $238/sqft · 45 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.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2688 MEADOW CREST DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2688 MEADOW CREST DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
2688 MEADOW CREST DRIVE FAQs
What would the monthly payment be for 2688 MEADOW CREST DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,484/mo — principal and interest, the actual property-tax bill, the $250/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 2688 MEADOW CREST DRIVE?+
The association fee works out to $250 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2688 MEADOW CREST DRIVE?+
The most recent tax bill on record (2025) was $200. 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 2688 MEADOW CREST DRIVE?+
The listing reports pets: Yes. 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 $324,990, this home is listed about 24% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2688 MEADOW CREST 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.
Keep looking
Similar homes nearby
Listing courtesy of DRB GROUP REALTY, LLC · Adam Schott. MLS #O6417932.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 2688 MEADOW CREST DRIVE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →