3224 OXBOW COURT, HARMONY, FL, 34773
Active114 days on marketListed Apr 1, 2026MLS #S5146906
About this home
3224 OXBOW COURT
Welcome to this stunning, spacious home in the highly sought-after Harmony community—a gated, family-friendly neighborhood known for its top-rated, A-rated schools and exceptional amenities. This thoughtfully designed residence features 4 generous bedrooms, including a luxurious primary suite conveniently located on the main floor. Upstairs, you'll find a versatile layout with one bedroom offering a private ensuite, plus two additional bedrooms, a full bathroom, and a cozy loft. The main level boasts an open-concept design that seamlessly connects the living, dining, and beautifully upgraded kitchen—ideal for both everyday living and entertaining. The kitchen is a true centerpiece, showcasing modern finishes and high-end appliances that will delight any home chef. A dedicated office downstairs offers flexibility and can easily serve as a 5th bedroom. Additional conveniences include a laundry room and a half bath on the main floor. Natural light pours into the home through large windows and expansive sliding glass doors, leading to a serene screened-in lanai. Enjoy peaceful outdoor living with a spacious, private backyard and no neighbors in the front or rear—providing rare privacy and tranquility. Living in Harmony means access to incredible amenities, including two resort-style pools, a splash pad, basketball and volleyball courts, a soccer field, boat dock, scenic nature trails, and dog parks—all surrounded by beautiful natural landscapes. Don’t miss the opportunity to own this exceptional home in one of the area’s most desirable communities!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,732
Sqft
0.17 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$181
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.
$4,100 /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
$4,100/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
+1.4%
$/sqft vs Harmony actives
$181 vs $200
Days on market
114 vs 69 typical
Where $181/sqft sits among the 48 Harmony 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 Harmony
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Harmony. See the full Harmony guide →
HARMONY 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 Harmony market
$412K → $385K
Harmony median sold, yr/yr
98.7%
Sale-to-list ratio (12 mo)
24 of 48
Harmony actives have cut their price
Median sold price, Harmony, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 62% above the HARMONY 34773 median. See the full Harmony market guide →
Paper trail
This home's history
Reality check
What actually sold near 3224 OXBOW COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$433,000
7019 FIVE OAKS DRIVE
4 bd · 2.5 ba · 2,732 sqft · $158/sqft · 66 DOM
Sold · Apr ’26$430,000
3326 SAGEBRUSH STREET
4 bd · 3.5 ba · 2,822 sqft · $152/sqft · 16 DOM
Sold · Sep ’25$460,000
3339 PRIMROSE WILLOW DRIVE
4 bd · 2.5 ba · 2,552 sqft · $180/sqft · 44 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 3224 OXBOW COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3224 OXBOW COURT — 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
3224 OXBOW COURT FAQs
What would the monthly payment be for 3224 OXBOW COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,100/mo — principal and interest, the actual property-tax bill, the $87/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 3224 OXBOW COURT?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3224 OXBOW COURT?+
The most recent tax bill on record (2025) was $8,641. 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 3224 OXBOW COURT?+
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 Harmony?+
At $495,000, this home is listed about 25% above the Harmony median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3224 OXBOW COURT?+
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
Three things that matter here
01Positioned at the premium end
$495,000 runs 62% above the HARMONY 34773 median — but at 2,732 sqft it's also 43% larger than the typical Harmony listing.
02Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $499,999, now $495,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FIERCE REALTY · Rachel Coolidge. MLS #S5146906.
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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