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Overview

5 bd5 ba3,102 sqft2 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2026
Lot5,985 sqft
Living area3,102 sqft
Price / sqft$177
Garage2 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
BAY LAKE FARMS AT ST CLOUD
Type
Single Family Residence

True monthly carry

HOA
~$125/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

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11-month inspection

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Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Crown MoldingEat-in KitchenKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSplit BedroomThermostat

6777 Yellow Warbler Bnd is a 2026-built home in Bay Lake Farms At St Cloud, St Cloud. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,102 square feet of living space. Listed at $549,990 (about $177/sqft), 44 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.

From the listing

Under Construction. Welcome to 6777 Yellow Warbler Bend in Saint Cloud, FL: a stunning new construction home built by M/I Homes. This 2-story home offers 3,102 square feet of thoughtfully designed living space, featuring 5 bedrooms, 4 full bathrooms, and 1 half bathroom. Step inside to discover an open-concept living space that creates a seamless flow between the main gathering areas, ideal for everyday living and entertaining. The quality of design is evident throughout, with carefully selected finishes and a well-planned floorplan that maximizes both comfort and functionality. The owner's bedroom features a private en-suite bathroom and a walk-in closet, providing a relaxing retreat. The additional 4 bedrooms offer generous space for family, guests, or home office needs. Outside, a covered lanai extends the living area and provides a perfect space for relaxing and enjoying the outdoors. Other highlights include a large kitchen island, two main-floor bedrooms, a huge upstairs loft, and a 2-car garage. This home combines quality craftsmanship with a functional design, set within a neighborhood that offers easy access to nearby parks and recreational spaces. Every detail reflects a commitment to superior design and comfortable living.

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The essentials

Built
2026
Price / sqft
$177
On market
44 days
Annual tax
$931
HOA
$125/mo
Flood zone
X · Low risk
Lot
5,985 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
Driveway
5,985 sqft lot
Lot size
3,102 sqft
Living area

Payment

Est. monthly payment
$3,346/mo
Down payment (20%)
$109,998
Property taxes
$78/mo
HOA
$125/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
5,985 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
44
Crown Molding
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Thermostat
Walk-in Closet(s)
Sidewalk
Community Mailbox
Park
Playground
Pool
Sidewalks
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
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.

Flood Zone X
Annual Tax (2025)
$931
Parcel #
13-26-31-3673-0001-0370

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 Farms At St Cloud
County
Osceola
MLS Area
34773 - St Cloud (Harmony)
Lot Size
5,985 sqft
LandscapedSidewalkPaved
HOA
$125/mo
Hunter Chastain

Price history

Date
Event
Price
10/1/2026
Price change
Source: Stellar MLS #O6436752
$549,990-1.8%
$177/sqft
-
Price change
Source: Stellar MLS #O6436752
$559,990-1.8%
$181/sqft
8/28/2026
Listed for sale
Source: Stellar MLS #O6436752
$569,990
$184/sqft

Neighborhood

6777 Yellow Warbler Bnd
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $549,990
$545,000 – $549,990
99.5% – 100% of listTops out right at the list price
80% of listList price
71 of the last 126 home closings in 34773 landed at this number or higher (56%). The median one sat 43 days before it went under contract, and this one is on day 44 after a $20,000 cut.

Sample: 126 closed home sales in 34773 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,346/mo
Principal & interest$2,868
Property taxes$78
Insurance$275
HOA$125
Down payment20% · $109,998
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%. HOA is the fee reported on the listing. 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

$549,990

$177 per sq ft

Beds and baths

5 beds, 5 baths

Size

3,102 sq ft

Time on market

44 days

Year built

2026

Monthly payment

About $3,346/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $931 annual tax bill, insurance, and the $125/mo HOA fee.

HOA fee

$125/mo

Managed by Hunter Chastain.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byKELLER WILLIAMS ADVANTAGE REALTYListing agent: Stacie Brown KellyListing data from Stellar MLS, MLS# O6436752.

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