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Overview

4 bd3 ba3,062 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1981
Lot31,886 sqft
Living area3,062 sqft
Price / sqft$220
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboSolid Surface CountersSplit BedroomStone CountersWalk-in Closet(s)Window Treatments

6770 Bay Shore Dr is a 1981-built home in Bay Lake Estates, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,062 square feet of living space. Listed at $675,000 (about $220/sqft), 169 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Fantastic FOUR-bedroom THREE- bath pool home situated on a 0.732 acre lot with 112 feet of lake front on Bay Lake. This rare find single story home has over 3000 square feet. This is the absolute perfect home to raise a family and is also functional as a multigenerational home. You will enter through the gated front porch into the foyer, on the right is the formal dining room and straight ahead is the formal living room boasting a stone fireplace, and skylight. To the left of the living room is a private bedroom #2 with a walk in closet and bath access into a bathroom which connects to bedroom # 3. Once out in the hallway you can access bathroom #3 which also has a private door into bedroom #3. The 16 x 26 Family room comes equipped with built In bookshelves, a pool table with ping pong conversion top, ceiling fans, a decorative pool table light, built in bar, built in wine rack, and insulated windows to enjoy the spectacular view of the beautiful yard overlooking the lake and wooded area on the other side of Bay Lake. The large kitchen is to the right of the family room and boasts granite counters, solid wood cabinets, lazy Susan, a built-in convection oven, built in microwave, cooktop, skylight, LED lighting, new refrigerator, breakfast nook, double door food pantry and access to the formal dining room. Through the kitchen into the hallway is the laundry room featuring a laundry tub, cabinets and a great big closet for extra storage. The master suite which was recently remodeled has a barn door, vinyl plank floors and huge walk-in closet, 7 x 5 walk in shower that is wheelchair accessible, dual sinks, and new cabinets. The garage is a woodworker’s dream with shelving that has a 1000 lb. load capacity and a private air-conditioned shop room and a 10-inch insulated attic. The screen enclosed pool deck offers a great space for the family to gather and enjoy the view of Bay Lake. There is a shower and a remote-controlled retractable awning for your convenience, the pool is approximately 7.5 feet deep and holds 15,000 gallons of water. Wander out to the dock and relax while fishing or enjoying the view, the dock is equipped with a solar light and there is also a sea wall partially concrete and partially wood. Let’s not overlook the long wide driveway which along with the pool and lake make this home perfect for entertaining family and friends. The seller replaced the roof in 2024, drain field with alarm system installed 2025. Save money on your water bill with the sprinkler system drawing from the lake. This lovely neighborhood offers a private boat ramp for residence only, dead end street, walking distance to the entrance of Lake Lizzie Preserve of over 1000 acres with the following features, bird watching, equestrian trail, hiking trails, picnic table, restrooms, primitive camping and wildlife viewing. This is the best possible scenario to raise a family in this great home! Schedule your tour today!

The essentials

Built
1981
Price / sqft
$220
On market
169 days
Annual tax
$3,898
Flood zone
X · Low risk
Lot
31,886 sqft
Type
Single Family Residence

At a glance

Single family
Built 1981
Waterfront
Lake Front
Private pool
Gunite
2 car garage
Driveway
0.73 acres
Lot size

Payment

Est. monthly payment
$4,182/mo
Down payment (20%)
$135,000
Property taxes
$325/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1981
Lot
31,886 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Workshop in Garage
Pool
Gunite, In Ground, Lighting, Pool Sweep, Screen Enclosure
Waterfront
Lake Front
Days on Market
169
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Solid Surface Counters
Split Bedroom
Stone Counters
Walk-in Closet(s)
Window Treatments
Outdoor Shower
Rain Gutters
Park
Built-in Oven
Convection Oven
Cooktop
Disposal
Dryer
Electric Water Heater
Microwave
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,898
Parcel #
13-26-31-2595-0001-0750

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 Estates
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
31,886 sqft
In CountyOversized LotStreet Dead-EndPaved

Price history

Date
Event
Price
9/8/2026
Price change
Source: Stellar MLS #O6400979
$675,000-2.9%
$220/sqft
-
Price change
Source: Stellar MLS #O6400979
$695,000-2.8%
$227/sqft
4/24/2026
Listed for sale
Source: Stellar MLS #O6400979
$715,000
$234/sqft

Neighborhood

6770 Bay Shore Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $675,000
$670,000 – $675,000
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 474 home closings in 34771 landed at this number or higher (64%). The median one sat 36 days before it went under contract, and this one is on day 169 after a $40,000 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
$4,183/mo
Principal & interest$3,520
Property taxes$325
Insurance$338
Down payment20% · $135,000
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

$675,000

$220 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,062 sq ft

Time on market

169 days

Year built

1981

Monthly payment

About $4,182/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,898 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.

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Brokered byFLORIDA REALTY RESULTS LLCListing agent: Marie A Collins PAListing data from Stellar MLS, MLS# O6400979.

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