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Overview

4 bd3 ba1,872 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1973
Lot22,651 sqft
Living area1,872 sqft
Price / sqft$267
Garage2 car

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About this home

Ceiling Fans(s)Living Room/Dining Room ComboPrimary Bedroom Main FloorSolid Surface CountersLightingPrivate MailboxRain GuttersDishwasher

6720 Bay Shore Dr is a 1973-built home in Bay Lake Estates, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,872 square feet of living space. Listed at $500,000 (about $267/sqft), 103 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Enjoy wide, unobstructed lakefront views from this 0.52-acre property in Bay Lake Estates, where the screened pool, covered lanai, and expansive backyard create a peaceful outdoor retreat centered around the water. Mature trees frame the shoreline while leaving the lake as the backdrop, offering a scenic setting for morning coffee, poolside afternoons, outdoor dining, or simply relaxing and watching the water. With no HOA or CDD, the property provides added flexibility and freedom to enjoy the generous homesite. The single-story home offers 1,872 square feet with four bedrooms, two bathrooms, multiple living areas, and a two-car garage. A stone fireplace adds character to the family room, while the kitchen and main living spaces connect conveniently to the screened outdoor area. The primary bedroom includes an en suite bathroom and direct access to the pool, making it easy to step outside and enjoy the waterfront surroundings. Built with concrete-block-and-stucco construction, the home presents an opportunity for a new owner to update the interior to suit their preferences while taking advantage of a setting that is difficult to replicate. Well and septic service add to the property’s independent feel, while nearby access to US-192 keeps shopping, dining, and everyday conveniences within reach. For buyers seeking lakefront land, a private pool, room to spread out, and the ability to create a home around an exceptional outdoor setting, this property delivers the foundation and views to make it possible.

The essentials

Built
1973
Price / sqft
$267
On market
103 days
Annual tax
$3,082
Flood zone
X · Low risk
Lot
22,651 sqft
Type
Single Family Residence

At a glance

Single family
Built 1973
Private pool
In Ground
2 car garage
0.52 acres
Lot size
1,872 sqft
Living area

Payment

Est. monthly payment
$3,115/mo
Down payment (20%)
$100,000
Property taxes
$257/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1973
Lot
22,651 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
In Ground
Days on Market
103
Ceiling Fans(s)
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Lighting
Private Mailbox
Rain Gutters
Dishwasher
Microwave
Range
Refrigerator
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)
$3,082
Parcel #
13-26-31-2595-0001-0800

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
22,651 sqft

Price history

Date
Event
Price
9/30/2026
Price change
Source: Stellar MLS #O6420408
$500,000-4.8%
$267/sqft
-
Price change
Source: Stellar MLS #O6420408
$525,000-4.5%
$280/sqft
7/2/2026
Listed for sale
Source: Stellar MLS #O6420408
$550,000
$294/sqft

Neighborhood

6720 Bay Shore Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $500,000
$500,000
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 473 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 103 after a $50,000 cut.

Sample: 473 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,115/mo
Principal & interest$2,608
Property taxes$257
Insurance$250
Down payment20% · $100,000
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

$500,000

$267 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,872 sq ft

Time on market

103 days

Year built

1973

Monthly payment

About $3,115/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,082 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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Brokered byKELLER WILLIAMS CLASSICListing agent: Christopher BessetteListing data from Stellar MLS, MLS# O6420408.

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