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Overview

4 bd2 ba2,106 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1989
Lot45,825 sqft
Living area2,106 sqft
Price / sqft$328
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanThermostatFrench DoorsLightingRain Gutters

2285 Fox Wood CT is a 1989-built home in Bay Lake Ranch Unit 3, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,106 square feet of living space. Listed at $689,999 (about $328/sqft), 226 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to your peaceful retreat on Bay Lake Ranch! The fully renovated home sits on 1.05 acres providing plenty of room to enjoy the outdoors with privacy and peace from the city noise. The four-bedroom, two bath home complete with a water filtration system and NEW A/C unit (2024). It has a pool with a covered patio in the back, perfect for the warm Florida days. The kitchen has top of the line upgraded appliances, premium cabinets and luxury quartz counter tops, with an oversized island that provides seating for four. Throughout the home you will find luxury vinyl flooring, recessed lighting, and upgraded light fixtures along with ceiling fans. It includes beautifully remodeled bathrooms with glass showers and spectacular vanities. This home provides all the bells and whistles, inside and out, you will find custom finishes and high-quality craftsmanship. Outside you have an acre of land, great for parking camper, RV, Boat or any type of trailer. This home is located on quiet cul-de-sac and is completely fenced in with two gates for entrance. Remember NO HOA and NO CDD in this community. BAY LAKE RANCH is a highly sought after community, boasting beautiful custom homes and peaceful country living! Only Minutes to Melbourne Beach and major roadways making easy access to all the Central Florida attractions! 30 minutes to Lake Nona Medical City! Close to schools, restaurants and shopping!

The essentials

Built
1989
Price / sqft
$328
On market
226 days
Annual tax
$713
Flood zone
X · Low risk
Lot
45,825 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
Private pool
Deck
2 car garage
1.05 acres
Lot size
2,106 sqft
Living area

Payment

Est. monthly payment
$4,003/mo
Down payment (20%)
$138,000
Property taxes
$59/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
45,825 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Deck, In Ground, Lighting
Days on Market
226
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Thermostat
French Doors
Lighting
Rain Gutters
Cooktop
Dishwasher
Disposal
Electric Water Heater
Microwave
Elementary
Harmony Community School (K-5)
Middle
Harmony Middle
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$713
Parcel #
18-26-32-2599-0001-1090

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Bay Lake Ranch Unit 3
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
45,825 sqft
Cul-De-SacOversized Lot

Price history

Date
Event
Price
8/18/2026
Price change
Source: Stellar MLS #O6386188
$689,999-2.1%
$328/sqft
-
Price change
Source: Stellar MLS #O6386188
$705,000-6.0%
$335/sqft
2/27/2026
Listed for sale
Source: Stellar MLS #O6386188
$750,000
$356/sqft

Neighborhood

2285 Fox Wood CT
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $689,999
$685,000 – $689,999
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 474 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 226 after a $60,001 cut.

Sample: 474 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,003/mo
Principal & interest$3,599
Property taxes$59
Insurance$345
Down payment20% · $138,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$689,999

$328 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,106 sq ft

Time on market

226 days

Year built

1989

Monthly payment

About $4,003/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $713 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Have another question?

Brokered byNB ELITE REALTYListing agent: Erika MooreListing data from Stellar MLS, MLS# O6386188.

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