Harmony Life - March 2022 by Blair Creative Group

MARCH 2022

T H E P U B L I C AT I O N F O R T H E R E S I D E N T S O F H A R M O N Y A PUBLICATION OF QUANTUM MARKETING COMMUNICATIONS, LLC Photo by Barry Unterbrink

LETTER FROM THE PUBLISHER

MARCH 2022

A publication of Quantum Marketing Communications, LLC www.QMCWorld.com

PUBLISHER & CEO

Welcome to the March 2022 edition of Harmony Life Magazine. We’ve heard that the biweekly Farmers’ Market has stopped. As soon as more information is available we will update everyone. Harmony Life Magazine is produced by residents for residents. Please feel free to message me directly with content and pictures: Bill@QMCWorld.com Remember to join the Facebook Harmony Residents Forum.

Bill Bokunic 321.331.6398 Bill@QMCWorld.com

GRAPHIC DESIGN

Renée Blair Blair Creative Group, Inc.

COVER PHOTOGRAPHY Barry Unterbrink

See you in April!

CONTRIBUTORS

Bill Bokunic Publisher Bill@QMCWorld.com

Jeanine Corcoran The Corcoran Connection

Steve Berube Former HROA President, CDD Board Member

Beth Johnson, M.Ed.

Hamony Nature & Animal Committee Member

Teresa Kramer

Chair, Hamony CDD

Stephanie Milfeld Z&Q – A Children's Boutique

The opinions expressed in the Harmony Life Magazine articles are those of the author(s) and do not reflect the opinions of Quantum Marketing Communications, Harmony Life Magazine or the Publisher.

Harmony Life Magazine, Quantum Marketing Communications, LLC and the Publisher can, in no way whatsoever, be held responsible for the content of such views, nor can it be held liable for any direct or indirect damage that may arise from such views. All rights reserved. No part of any Quantum Marketing Communications, LLC published work may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without written permission from the publisher.

CONTACT INFO FOR RESIDENTS CDD

HarmonyCDD.org, 407-566-1935 Teresa, Dan, Steve, Mike, or Kerul@HarmonyCDD.org

SPECTRUM CABLE / INTERNET

877-892-3279

CENTURY LINK CABLE / INTERNET

866-314-4148

407-348-2222

OUC ELECTRIC

407-957-7373

HROA

Association Solutions, 811 Mabette St., Kissimmee 407-847-2280, MyHOASolution.com

407-605-3892

CONDOS HOA

Sentry Management, 407-846-6323

ADVANCED DISPOSAL – OSCEOLA 3501 Pug Mill Rd. Kissimmee, FL 34741 OsceolaFL@advanceddisposal.com

TOWNHOMES HOA

Association Solutions, 811 Mabette St., Kissimmee 407-847-2280, MyHOASolution.com

OSCEOLA COUNTY COUNTY COMMISSIONER RICKY BOOTH

Osceola.org “Citizen Action Center” ricky.booth@osceola.org

SHERIFF, NON-EMERGENCY

HARMONY DEVELOPER OFFICE

407-891-8358, HarmonyFL.com

Orlando Health Physician Associates OB-GYN is a trusted women’s health provider that offers locations throughout our community — as well as delivery at Orlando Health Winnie Palmer Hospital for Women & Babies and a collaborative OB-GYN team of physicians and midwives — for a seamless experience before, during and after delivery. For care, closer to you, choose Orlando Health.

OrlandoHealth.com/TopOBCare 901 N. Narcoossee Rd., St. Cloud, FL 34771

2 Harmony Life Magazine l March 2022

Check out our new podcast

Low Inventory

NOW IS THE time to sell

FOR SALE

3563 Clay Brick Rd 3 Bed | 2.5 Bath 1668 sq ft by Jeanine Corcoran

$259,900

SOLD

UNDER CONTRACT

This Could Be You! X Bed | X Bath XXXX sq ft

$485,990

$???,???

SOLD

3314 Cat Brier Trail 4 Bed | 2.5 Bath 2742 sq ft by Jeanine Corcoran

7521 Wing Span Way 4 Bed | 3 Bath 2376 sq ft by Jeanine Corcoran

$460,000

$383,601

FOR SALE

SOLD

Lot 54 6 Bed | 3 Bath 2883 sq ft by Kristin Macari

3436 Schoolhouse Road 5 Bed | 5.5 Bath | 3329 sq ft by Jeanine Corcoran

$650,000

UNDER CONTRACT UNDER CONTRACT

SOLD

3310 Sagebrush St 4 Bed | 3.5 Bath 2822 sq ft by Jeanine Corcoran

3207 Bayflower Ave 3 Bed | 2.5 Bath 2008 sq ft by Jeanine Corcoran

3318 Sagebrush St 3 Bed | 2 Bath 2246 sq ft by Jeanine Corcoran

$475,000

$385,000

$369,900

Ask us about your Free 1-Year Golf Membership! Jeanine Corcoran - Broker | Owner The Corcoran Connection 407-953-9118 - office 407-922-3308 - cell Jeanine@TheCorcoranConnection.com TheCorcoranConnection.com Serving all of your Real Estate Needs

Connect with us on Social Media!

NOTES FROM the CHAIR By Teresa Kramer Chair, Harmony Community Development District

PAY ME NOW or PAY ME LATER: Maintaining Harmony’s Infrastructure

ver the past year, the Harmony CDD learned an expensive lesson of what happens when our infrastructure is not properly inspected and maintained in a timely fashion—nature takes over. One example is what happened this past September, when our neighbors in the Estates had to deal with flooded roads and back yards. Over the years, they had been noticing that, after each rain, the water was draining away from their homes at a slower and slower pace and had asked for help, but none came. Then in 2021, the water stopped draining. It stayed around for weeks, resulting in swarms of mosquitos and nasty smells. One resident even had to rent a pump to keep the water from reaching his home. This was all preventable, if only the stormwater system in that neighborhood had been inspected annually and regular maintenance done. Instead, nature was allowed to take its course and fill in many of the storm drains.

After the September 2021 flooding, the CDD took a proactive stance and directed our District Engineer, who is also a certified FDEP Stormwater System Inspector, to investigate the cause of the flooding. He found that the stormwater system was clogged. To determine the extent of the problem, it was necessary to bring in Atlantic Pipe Services to clean out the debris and send a camera through to see if there were any breaks in the pipes. In one location, however, they hit a blockage that they could not remove. Luckily, it was directly under an inlet grate and a look above ground revealed that over the past 10 years, a tree had grown on top of this inlet grate, a tree that should have been removed when it was a seedling. When this now mature tree and grate were lifted together, they found an enormous root ball that had filled the inlet box. To date, this work has cost the CDD over $20,000 and is expected to go much higher; costs that could have been avoided if preventative maintenance had been conducted in inspecting, flushing, and clearing away vegetation from the inlets and outfalls on an annual basis. Also, the discomfort and inconvenience

4 Harmony Life Magazine l March 2022

to our neighbors could also have been avoided. We need to be proactive, not reactive. There are a number of other maintenance projects in Harmony that also overdue for maintenance and to which we need to apply this same

lesson. One such project is the milling and paving of the alleys that service Beargrass, Cupseed, Pond Pine, Bluestem, and Primrose Willow. They have been in need of resurfacing for the past two years. These alleys were originally constructed in 2003 and 2004 and have been heavily used since that date. The pavement has cracked, pulled away from the stormwater inlets, and in some instances crumbled, exposing the base to deterioration. What could have been accomplished with a basic milling and repaving will now require additional work to correct drainage issues and base degradation. This increased work, along with supply and inflation issues, will significantly increase the price for this work over and above what it would have been two years ago when it was due. Some residents are concerned that the amount of money in our reserve fund will go down if we undertake these and other necessary maintenance projects, but that is what the reserve money is for, repair and replacement. In fact, we are actually losing money by not conducting the needed maintenance on the CDD’s infrastructure in a timely fashion. n

March 2022 | Harmony Life Magazine 5

THE SCOOP ON POOP

By Beth Johnson, M.Ed. Harmony Nature & Animal Committee Member

f you search for the word “dog” in our resident forum, you will most likely see three types of posts:dogs who got out of their yards, dogs off leash, and — you guessed it — complaints about dog poop not being picked up. When my family moved to Harmony, I was surprised to see the amount of dog waste everywhere, especially since the town of Harmony is certified as a green community by the Florida Green Building Coalition (FGBC). This means the overall goal of Harmony is to promote the peaceful coexistence of human and animal residents within the community while striking a balance between the preservation, use, and enjoyment of Harmony's natural areas. Unfortunately, this cannot happen if residents don’t take care of their dog’s business when out for a walk or while enjoying our local dog parks. Many people may wonder what the big deal is when dog waste is left behind other than it simply being unsightly and messy. After all, numerous wild animals leave their waste behind in common areas. However, wild animals consume food and nutrients from their own ecosystem, whereas dogs do not. Once a bear or a deer has consumed local resources, they return those same resources and nutrients back into the ecosystem via their scat. On the other hand, dogs are unlikely to be solely consuming local plants. While my own little ankle biters enjoy nibbling on grass from time to time, their main diet is prepackaged dog food. Most dog food contains nutrients that provide them with a healthy, complete diet. Unfortunately, the same pet food that is great for your dog is not so great for the environment. Leaving dog waste behind leads to excessive nutrients from pet food such as phosphorus and nitrogen entering the environment, which in turn can lead to unstable conditions in our local soil and water. These conditions can lead to algae blooms in our ponds and lakes, inviting invasive weeds to grow which eventually causes the slow death of our local plant and fish life. Aside from dog food causing an issue, dogs can harbor harmful pathogens such as E. coli, giardia, and salmonella. When dog waste is not picked up and properly disposed of, these pathogens endanger other wild animals and pets, as well as anyone else who is unfortunate enough to step in it. Roundworms, hookworms, and whipworms are gastrointestinal parasites that shed eggs in dog feces that can then be transferred to any living creature who encounters it, including humans. Carrying a disposable bag with you on walks and picking up your dog’s excrement drastically reduces the risk of exposure for everyone. We are very fortunate to be provided with convenient doggie-pot waste receptacles and bags all around the community. Please also remember there are county ordinances and fines for not picking up dog waste and many residents have installed security cameras to record owners in the act of not scooping their poop. Harmony residents are encouraged to show respect for our land and protection of our wildlife by picking up after your pet. It is necessary for the continued safety and enjoyment of all residents, two- and fourlegged alike. n

6 Harmony Life Magazine l March 2022

Family Owned and Operated

Our priority is that your experience is an exceptional one from start to finish and that you feel welcome and a part of our Kisselback family when you leave. Whether you are stopping by our showroom, taking a test drive, or visiting our service department, we want to make your visit comfortable, efficient and affordable.

Highly Recommend! HHHHH

“Working with Kisselback Ford was very easy. Ross was professional through the whole process. He stayed in constant communication and provided me with information needed to purchase the right vehicles. Highly recommend working with Ross and Kisselback Ford... thanks!” — JH (Justin H.)

Kind and Professional! HHHHH

“We bought a new car today—Elias was our sales person. He was very kind and professional. He also took his time explaining every step of the process and our new car features. Additionally, Tammy (the financing person) was very pleasant and thorough. We are very pleased with their service.” — Laura E.

Awesome! HHHHH

“Ross was great—not only did he and a couple of the other guys hang out for me after hours to allow me to look at the vehicle, they also made it one of the most painless processes at a dealership that I have ever had. Thank you so much to Ross and team, you guys are awesome.” — Cody

Community Spotlight Recent donation to support the Horses and Heroes Program at the McCormick Research Institute on behalf of veteran Eric Davidson. The McCormick Research Institute encompasses the Heavenly Hooves program, Horses & Heroes program, Education program, and Research initiatives. Initiatives are conducted across both the Heavenly Hooves program (researching autism) and the Horses & Heroes (PTSD) program. They have grown to serve over 20,000 riders utilizing 15 horses and the assistance of more than 200 community volunteers. We are proud to support McCormick Research Institute! You can learn more about ways you can support this great organization at www.mccormick.us.

Buy Online. We Deliver. 1118 13th Street • St. Cloud, FL 34769 407-892-2141 • www.KisselbackFord.com

YOUR CDD FEES WILL BE GOING UP… By Steve Berube Former HROA President, CDD Board Member

n last month’s issue, we left off at Buck Lake. But I thought it more important to disclose the headline above first. As we approach budget season, it is apparent that fees will increase. Why, you might ask? Well, quite simply, the current majority on the Board seem to feel the need to completely rebuild Harmony—all at once. So, the stable fees you’ve enjoyed for the last decade or so will now increase. A prime contributor is Engineering costs which last fiscal year totaled over $40,000—against a budget of $10,000. Moving to this fiscal year, the Engineer asked for and received $50,000—against a $20,000 budget. That has been exhausted—and in fact, exceeded by $18,000—in early February. So, the Engineer asked for—and received-another $50,000 to (hopefully) finish this fiscal year. And yes I moved to approve that request for one simple reason: because we can’t stop now! Add it up and you realize that over $140,000 will have been spent on Engineering in less than 18 months. Remember the Budgeted amount: $30,000. That’s the good news. The bad news is the cost of carrying out all those now ready-to-go Engineered projects: over $1,000,000. Yes, that’s One Million Dollars. While the budget can be blown apart to find the $140,000, it CANNOT support an additional $1million in costs. So, there you have the basis for my statement that fees will be increasing; the only way to avoid it is to not do the proposed work. But the base investment has already been made—what do we do? Put it all on hold and wait for costs to increase? The other question: is all this work really needed? In some cases, the Garden Road for example, yes. But in others, like repaving alleys in a few neighborhoods, my view is certainly no. Watch this space for more on this—also watch other editorials in this magazine for the “rainbows-and-unicorns” version of why all this spending is needed and judge for yourself. But look around at Harmony as a whole and ask yourself: is this place really falling apart? In real numbers, where does one find a million dollars? Well, with 1,000 homes in Harmony, it takes $1,000 per home to find a million. Of course, it won’t all be spent at once, but you can see where things are headed.

8 Harmony Life Magazine l March 2022

Enough of that—let’s return to one of the shining stars of Harmony: Buck Lake, where we left off last month. You’ve likely noticed that it is largely hidden from view and that’s on purpose. Buck Lake is a natural and nearly untouched private lake which gives you the feeling of being far away from civilization when you’re out enjoying it. If you don’t already know, there are docks on the lake as well as a fleet of electric boats that residents can use at no cost. Kayaks & canoes are also available at no cost to you. Of course, you can fish from both the docks or boats. Get out there and enjoy some secluded wilderness. Some of you might remember hearing about parcel VC1 and its acquisition by the CDD from the Developer a few years ago. This is largely the grassy field to the east of the Buck Lake parking lot as well as said parking lot and surrounding areas. But, it is very important to note that the path to the lake is part of VC1. While some were against acquiring VC1 due to the cost, here is what you don’t know. At the time the Developer was exploring options to offload it, a large landowner was also contemplating buying it. This was a bit of a curiosity as all previous owners of that land had decided that it was not financially feasible to build homes there. So, what did that landowner know that previous experts didn’t? Let’s go back to that access path which is our only access to the lake and remember that whoever owned VC1 also owned that path AND the land between the street and the path.

white fence with a lock on it fronting Cat Lake. That same landowner bought that parcel and promptly put up the locked fence which blocks your access to Cat Lake. There is nothing else going on there except the fence blocking your access. I am convinced that Buck Lake would be similarly “locked out” had that landowner acquired VC1. And now you know. VC1 has been the subject of several surveys by the Board trying to determine resident desires as to what to do with it. Despite any numbers of good and feasible ideas, the “NO” crowd always won out. Because of its proximity to Lakeshore Park—Harmony’s play showplace—it seems only natural to expand these recreational areas over to VC1. After all, you’re paying for it AND we avoided having it put inside a locked fence. Back to Lakeshore where we find volleyball and basketball courts, a splashpad, shaded play equipment and a soccer pitch along with a concrete walk path over a mile in length—which surrounds a pond. You’ll also find a sundial clock—a uniquely Harmony attraction. Read the instructions and see how neat this really is. While you’re here, be sure to explore the wooden walkways leading out to Buck Lake. They extend out over the water and one even has a large swing on it. At this point, I’m out of space. So, I’ll see you next month. Thanks for reading! n

It came to light that said landowner wanted to acquire VC1 in order to control access to the lake. This was alarming to me as Buck Lake is a prime feature of Harmony—not to mention that we (you) have a large investment in the lake. Who knows what we might have been forced to give up in order to maintain access? So, I worked furiously behind the scenes to get everything lined up and then acquire VC1 which the CDD did. The cost was simply the acquisition of the bond debt on the land—a bit under $500,000 as I recall. In my view a cheap cost to ensure access in perpetuity. If you think I’m wrong, go east on Five Oaks Drive all the way to the end. Notice the big The opinions expressed in the Harmony Life Magazine articles are those of the author(s) and do not reflect the opinions of Quantum Marketing Communications, Harmony Life Magazine or the Publisher.

Stay well ahead of colon cancer. Schedule a life-saving screening today. Colorectal cancer is more than 90% curable when diagnosed early. It’s why we recommend everyone over the age of 45 to get screened. AdventHealth is committed to making it easy with screening options tailored to you, including a simple at-home test or a colonoscopy. Backed by our Digestive Health & Surgery Institute, know that you are in great hands with the nation’s leading physicians, research and specialized care.

Visit GetScreenedToday.com to request an appointment.

22-CH-01704

AdventHealth Orlando is nationally ranked by U.S. News & World Report for gastroenterology.

COLORECTAL CANCER AWARENESS

olorectal cancer is the second leading cause of cancer death amongst men and women, but this disease is more than 90% curable when detected early on. AdventHealth is here to support you with tools for prevention all the way through to early detection and treatment if needed. Starting with the knowledge you need to stay on top of this common disease.

Symptoms of Colorectal Cancer

Symptoms of colorectal cancer can be confused with those of other ailments. That’s why it’s incredibly important to track your patterns. “You should be aware of changes in your stool, blood in your stool, unintentional weight loss and a sense of bloating or cramping that just doesn't resolve, when looking for signs of colorectal cancer,” explains Dr David Elijah, a gastroenterologist with AdventHealth. “Unfortunately, many cancers don't show symptoms until they’re advanced, and that's why screening is so important.” “It’s important to note that bloating doesn't necessarily mean cancer, it’s just one symptom of colon cancer. If your bloating doesn't go away, you should speak with your doctor. Blood in your stool and abnormal bowel move10 Harmony Life Magazine l March 2022

ments are also common symptoms. But pain doesn’t equal cancer, it’s a signal your body is giving you to get checked out.”

Who’s at Risk?

“Screening for colorectal cancer should begin at age 45. The average age group of diagnosis is between 50 to 60, but we’re seeing an increase in younger patients, too. Patients of any age can develop colon cancer, so it’s important to stay vigilant.” African Americans have an increased risk of colon cancer, and men have a slightly higher risk than women. Additionally, patients with inflammatory bowel diseases like ulcerative colitis and Crohn's Disease are also at an increased risk.

Colorectal Cancer Prevention

“The number one way to avoid colon cancer is to get screened,” says Dr. Elijah. “Healthy lifestyle habits like diet, exercise, and avoiding alcohol and tobacco are all great ways to stay healthy, but screening is the most important and has the greatest impact. There are links between alcohol and tobacco with development of cancer and you should speak with your doc-

tor about risk-reduction strategies and try to quit smoking. All healthy lifestyle habits act as risk reduction but can’t definitively prevent cancer.” Studies have shown a direct correlation between a Western diet consisting of large amounts of red meat and fats with low amounts of fiber and to colorectal cancer. You should try to eat a variety of fresh fruits and vegetables, whole grains and other food rich in fiber, vitamins and minerals, as well as maintaining an exercise regimen of 30 minutes a day.

Get Screened

If you’re concerned about your symptoms or would like to schedule your screening, we’re here to support you. AdventHealth is offering convenient and safe options to better serve you and your loved ones. From screening colonoscopies to at-home testing, we’ve got you covered. For more information or to make an appointment with a specialist, visit GetScreenedToday.com. n

> edwardjones.com | Member SIPC

Feeling like you paid too much in taxes this year?

Contact your financial advisor today to learn about investing strategies that could benefit you. Kerry L Scott, CRPC® Financial Advisor 4115 Neptune Rd St Cloud, FL 34769 407-498-0147

FAP-1942N-A-AD

Free 1-Year Golf Membership! Playing the #1 Rated links course just got easier! Contact us to learn more. The Corcoran Connection and Royal St. Cloud have teamed up for a great offer. New clients receive a one-year Individual Golf Membership with the purchase or sale of a home when using The Corcoran Connection. This is a $950 value. For more information and details, contact The Corcoran Connection.

The Corcoran Connection LLC 407-953-9118 - office Info@TheCorcoranConnection.com TheCorcoranConnection.com Restrictions: Cart fee not included. Valid for 1 year. No cash value. Limited time offer. Non-transferable. One per family. March 2022 | Harmony Life Magazine 11

ENJOY ALL of the THINGS…

By Stephanie Milfeld Owner, Z and Q – A Children's Boutique

ow in the world are we already in MARCH?!?

Although I can’t believe we are already here, I am SO ready for spring and summer weather. This brings us to Spring Break. I have endless memories of spring break through grade school and college. The kick-off to beautiful weather and just a hint of summer being right around the corner. As a parent though, I am quickly realizing I am only going to get a handful of these week-long breaks with my girls before they are grown. I want to soak up all this time that they want to hang out with me. I struggle with the balance of wanting to take all the pictures and videos for the memories and also living in the moment to enjoy the memories together. I struggle with wanting to hold them so close but also giving them space to grow and make mistakes. Being a parent is ridiculously hard; I feel like even more so in the middle of the global pandemic and political scene we find ourselves in at the moment, constantly questioning yourself. I wish someone would have told me before having kids how HARD it really was having kids—not so that I wouldn’t have them, but so that I would understand that I am doing a damn good job raising them and no one gets it right 100% of the time. I mean, not that I truly would have understood how hard it was before having kids, but your attitude just shifts. You take it literally one moment at a time, picking battles, deciding when to encourage your child to open up a little more or just let it be, in shock when you realize you don’t have to physically get them dressed anymore or do their hair every day, or that they have their own style that seems to come out of nowhere. When you hear a child crying in the restaurant or grocery store it hits a little differently because you are empathetic to the parent that is with them. So while you gear up for spring break, summertime and all the days in between and after, make sure to soak up all the hugs and handholds and giggles and “mom watch this,” and the excitement of being in a new place and ALL OF THE THINGS, because as hard as parenthood may be, it also totally rocks and I wouldn’t change it for anything in the world. 12 Harmony Life Magazine l March 2022

DON’T FORGET: • SPRING BREAK: March 11-20

NO SCHOOL • March 23 - No early release at school • March 25 - Father/Daughter Dance at Harmony Community School

Stephanie Milfeld Z and Q – A Children’s Boutique 1037 New York Ave Saint Cloud, FL 34769 www.zandq.com @zandqboutique

Upcoming Events Downtown St. Cloud March 12 – Get Lucky Downtown Test your luck at participating businesses with discounts on each purchase from 4-7pm followed by the nighttime St. Patrick’s parade beginning at 7pm! March 30 – Monthly Market 5-9pm Food trucks, live music, 100+ vendors, face painting, local artisans, and more. Follow @downtownmonthlymarket and @zandqboutique to stay up-to-date.

THE

NEW COME EXPERIENCE HEARTFELT BIBLICAL WORSHIP Non-Watered-Down, Solid Expository Biblical Teaching and Preaching! Less Entertainment and more Glorifying God and Equipping for Life!

PLEASE WELCOME

Our New Worship Leader Peter Swanson and his wife Allison and Youth Director Joshua Fenstermaker Scripture Alone | Christ Alone | Grace Alone | Faith Alone | Glory of God Alone

JOIN US SUNDAYS AT 10AM HARMONY COMMUNITY SCHOOL 3365 Schoolhouse Road • St. Cloud, FL 34773 (407) 632-5445 • harmonycommunitychurchfl@gmail.com

www.HarmonyCommunity.church

FLORIDA’S HIGHEST RATED ROOFER

CALL TO SCHEDULE A FREE INSPECTION Brad Hogan • 407.567.7856

RESID EN T IA L • COMME RC IAL • ROOF RE PAIR & RE - ROOFING L I C E NS E D & I NSURED • C GC 1 51 1 396 | C C C 1 32 942 8

NOW SELLING! From the $200s

At Twin Lakes, extraordinary lakeside living is on the horizon. Centered around a magnificent 20,000 square foot clubhouse on the tranquil shores of Live Oak Lake, you’ll enjoy boating, kayaking, and amenities usually reserved for fine resorts. Jones Homes USA offers a variety of innovative home designs with an unheard of combination of luxury features and unique amenities. When you compare, you’ll find Twin Lakes offers exceptional value with luxurious included features that are usually an upgrade with other builders.

407-988-3222 | JonesHomesUSA.com Twin Lakes is a 55+ active adult community. All prices, terms and availability are subject to change without notice. CRC#046154

FITNESS CENTER NOW OPEN! 14 Harmony Life Magazine l March 2022

MODELS OPEN DAILY

4910 Twin Lakes Blvd, St Cloud FL 34772

HERE FOR ALL YOUR MORTGAGE NEEDS!

What Our Team Can Offer You:

✓

Great interest rates

✓

Fast and on time closings

✓

Personalized service and clear communication

✓

A variety of loan programs to fit your needs

Purchases

Refinances

New Builds

Mention this ad for $500 off closing costs*

Scan To Apply

Contact Me

Julie Bretz-Swinarski Branch Manager - NMLS 926133 Direct: 407-758-3443 julie.bretz@cfi.mortgage www.cfimortgagesfl.com

Christensen Financial, Inc. - NMLS 112516 | 860 N.SR 434 Altamonte Springs, FL 32714 *Only one use per household. Coupon has no cash value. Credit will be applied at loan closing. Offer expires June 30, 2022.This letter is for information purposes only and is not an advertisement to extend customer credit as defined by Section 12 CFR 1026.2 Regulation Z. Programs available to qualified borrowers and rates, terms and conditions are subject to change at any time without notice. All products are subject to credit, income and property approval. Other underwriting terms, conditions and some restrictions may apply. Mortgage license status may be checked at www.nmlsconsumeraccess.org.

16 Harmony Life Magazine l March 2022

FREE ESTIMATES ®

Proudly Serving the Harmony Community LOCALLY OWNED & OPERATED • SERVING CENTRAL FLORIDA FOR MORE THAN 25 YEARS!

$20 OFF

$30 OFF

$100 OFF

PEST CONTROL

LAWN SERVICE

TERMITE

YOUR FIRST

TREATMENT

YOUR FIRST

TREATMENT

YOUR FIRST

TREATMENT

When you need immediate medical attention, turn to the trusted experts right in your community. Orlando Health St. Cloud Hospital is only minutes away, ready and committed to providing you the highest level of emergency care. For care, closer to you, choose Orlando Health.

OrlandoHealth.com/ER