6699 ALDER ROAD, ST CLOUD, FL, 34773
Active0 days on marketListed Aug 1, 2026MLS #O6425529
About this home
6699 ALDER ROAD
Virtually Staged. Welcome to 6699 Alder Rd in St. Cloud, Florida, a beautifully maintained home in the highly desirable Harmony West community, where modern design, everyday comfort, and resort-style amenities come together. This thoughtfully designed home features a bright, open-concept floor plan with spacious living areas and a well-appointed kitchen that's perfect for entertaining family and friends. The generously sized bedrooms provide comfort for everyone, while the private backyard offers the perfect place to unwind. As an added bonus, the SALT WATER JACUZZI IS INCLUDED IN THE SALE, creating your own backyard oasis to enjoy year-round. Whether you're starting your morning with coffee on the patio, relaxing in the jacuzzi after a long day, or hosting gatherings, this home is designed for making lasting memories. Harmony West offers an exceptional lifestyle with amenities including a resort-style pool, clubhouse, fitness center, parks, playgrounds, walking trails, and open green spaces, giving residents plenty of opportunities to stay active and connected. Conveniently located just minutes from major roadways, this home provides easy access to Lake Nona Medical City, shopping, dining, schools, medical facilities, and Orlando's top attractions, while still offering the peaceful charm of St. Cloud. As the area continues to grow with new retail, restaurants, and commercial development, homeowners will benefit from both convenience and long-term value. If you're searching for a home in Harmony West, a move-in-ready home in St. Cloud, or a property with a private saltwater jacuzzi and resort-style amenities, 6699 Alder Rd is one you won't want to miss. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,361
Sqft
0.21 ac
Lot size
2
Garage
2019
Year built
Two
Levels
$182
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.
$3,431 /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
$3,431/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%
$/sqft vs St Cloud actives
$182 vs $219
Days on market
0 vs 33 typical
Where $182/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
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)
215 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 30% 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 6699 ALDER ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$374,000
6905 BEARGRASS ROAD
4 bd · 2.5 ba · 2,366 sqft · $158/sqft · 186 DOM
Sold · May ’26$420,000
3320 BRACKEN FERN DRIVE
3 bd · 4 ba · 2,448 sqft · $172/sqft · 7 DOM
Sold · Mar ’26$375,000
3450 SCHOOLHOUSE ROAD
5 bd · 3 ba · 2,456 sqft · $153/sqft · 5 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
Cheyenne Reyes
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6699 ALDER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6699 ALDER ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Cheyenne's phone and CRM.
Straight answers
6699 ALDER ROAD FAQs
What would the monthly payment be for 6699 ALDER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,431/mo — principal and interest, the actual property-tax bill, the $40/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 6699 ALDER ROAD?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6699 ALDER ROAD?+
The most recent tax bill on record (2025) was $6,119. 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 6699 ALDER ROAD?+
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 $430,000, this home is listed about 1% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6699 ALDER ROAD?+
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
$430,000 runs 30% above the ST CLOUD 34773 median — but at 2,361 sqft it's also 19% larger than the typical St Cloud listing.
02Fresh on the market
Listed today in a St Cloud market that averages 33 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE III · Sofia Lovinsky. MLS #O6425529.
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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