4002 SAGEFIELD DR., ST CLOUD, FL, 34773
Active291 days on marketListed Oct 15, 2025MLS #O6352888
About this home
4002 SAGEFIELD DR.
Own this beautiful new construction home with an estimated payment of **$2,620/month** using the **4.99 fixed-rate financing** available through the preferred lender! Plus, enjoy **$49,000 in buyer savings already reflected in the price**, **up to $15,000 in Flex Cash**, builder-paid closing costs (excluding prepaids), and only a **$1,000 deposit** to secure your new home. This quick move-in opportunity offers exceptional value with **NO CDD**, flexible financing options, and incentives that can save buyers thousands. Flex Cash may be used to further reduce your interest rate, cover prepaid closing expenses, or even help offset your first few mortgage payments, depending on the financing program selected. Welcome to the popular 2335 floor plan by Adams Homes, a spacious 4-bedroom, 2.5-bath home thoughtfully designed for today's lifestyle. A dramatic two-story foyer welcomes you inside, where an open-concept layout creates the perfect space for both everyday living and entertaining. The chef-inspired kitchen features granite countertops, Whirlpool stainless steel appliances, a large center island, abundant cabinetry, and a walk-in pantry, all overlooking the spacious family room. Whether you're hosting friends or enjoying a quiet evening at home, this layout offers the flexibility buyers are looking for. Upstairs, you'll find an oversized loft that can easily serve as a media room, game room, home office, fitness area, or second living space. The owner's suite provides a relaxing retreat with dual vanities, a soaking tub, separate shower, and a generous walk-in closet. Three additional bedrooms and an upstairs laundry room add everyday convenience and flexibility for growing families or overnight guests. Bathrooms feature granite countertops, and the home is backed by a 1-year builder warranty and a 10-year structural warranty for added peace of mind. Located in Harmony Central, residents enjoy resort-style amenities including a community pool with cabanas, dog park, walking trails, top-rated Harmony schools, a low HOA, and **NO CDD**. Conveniently located near Lake Nona, the Florida Turnpike, Orlando International Airport, and Florida's east coast beaches, this community offers outstanding value in one of Central Florida's most desirable locations. If you're searching for maximum buying power, incredible financing opportunities, and a move-in ready home with room to grow, this is one you won't want to miss.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,335
Sqft
0.11 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$171
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.
$2,824 /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
$2,824/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
−4.4%
$/sqft vs HARMONY CENTRAL
$171 vs $193
Days on market
291 vs 33 typical
Where $171/sqft sits among the 11 homes for sale in HARMONY CENTRAL
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
Drive times from this address
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
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)
2 of 11
HARMONY CENTRAL have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% 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 4002 SAGEFIELD DR.
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$442,900
7581 BENT TREE LOOP · same community
4 bd · 2.5 ba · 2,405 sqft · $184/sqft · 48 DOM
Sold · Sep ’25$440,900
7491 BENT TREE LOOP · same community
4 bd · 2.5 ba · 2,405 sqft · $183/sqft · 0 DOM
Sold · Jun ’26$399,900
7690 BENT TREE LOOP · same community
4 bd · 2 ba · 1,820 sqft · $220/sqft · 0 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
Carmen Sandoval
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4002 SAGEFIELD DR. — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4002 SAGEFIELD DR. — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Carmen's phone and CRM.
Straight answers
4002 SAGEFIELD DR. FAQs
What would the monthly payment be for 4002 SAGEFIELD DR.?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,824/mo — principal and interest, the actual property-tax bill, the $69/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 4002 SAGEFIELD DR.?+
The association fee works out to $69 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4002 SAGEFIELD DR.?+
The most recent tax bill on record (2024) was $759. 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 4002 SAGEFIELD DR.?+
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 $400,000, this home is listed about 6% 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 4002 SAGEFIELD DR.?+
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
$400,000 runs 22% above the ST CLOUD 34773 median — but at 2,335 sqft it's also 18% larger than the typical St Cloud listing.
02Time on market is leverage
291 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 $441,900, now $400,000 — a $42K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC. · Danielle Lituski. MLS #O6352888.
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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