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Overview

5 bd4 ba3,558 sqft3 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2025
Lot9,148 sqft
Living area3,558 sqft
Price / sqft$180
Garage3 car

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About this home

Open FloorplanPrimarybedroom UpstairsSolid Surface CountersSplit BedroomWalk-in Closet(s)Rain GuttersSidewalkClubhouse

2603 Bittern Bnd is a 2025-built home in Bay Lake Farms At St Cloud, St Cloud. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,558 square feet of living space. Listed at $640,000 (about $180/sqft), 36 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.

From the listing

Virtually Staged. Premium fountain water views, an exceptional corner homesite, and over 3,500 square feet of thoughtfully designed living space come together in this impressive 5-bedroom, 4-bath Sonoma floor plan in Bay Lake Farms. Set on one of the community’s most desirable homesites, this property offers enhanced privacy, surrounding green space, a wider street setting, and convenient additional guest parking. A 3-car garage with professionally finished epoxy flooring and a newly installed lush lawn create an impressive first impression. Inside, the light-filled open floor plan connects the kitchen, breakfast nook, and living room for easy everyday living and entertaining. The kitchen features upgraded appliances, generous storage, and a sleek, functional design. Upgraded lighting, a whole-home water softening system, and dedicated drinking-water filtration add thoughtful comfort throughout. The main floor includes a bedroom and full bath, while upstairs offers a spacious loft and remaining bedrooms, including a generous primary suite with dual vanities, separate tub and shower, and walk-in closet. The laundry area includes a front-load washer with an additional pedestal washer, plus a dryer with lower storage pedestal. Outside, the fully fenced backyard features a covered porch and abundant space to create a personalized outdoor retreat. Additional peace of mind comes from an ADT security system and Terminix in-ground termite protection with annual professional service. Bay Lake Farms offers a community pool, clubhouse, and playground, with convenient access to St. Cloud lakes, dining, shopping, recreation, and everyday amenities. With its fountain water view, corner-lot privacy, wider street setting, 3-car garage, generous outdoor space, and thoughtful upgrades, this home offers a combination that is difficult to replicate within the community. Mortgage savings may be available for buyers of this listing.

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The essentials

Built
2025
Price / sqft
$180
On market
36 days
Annual tax
$1,679
HOA
$125/mo
Flood zone
X · Low risk
Lot
9,148 sqft
Type
Single Family Residence

At a glance

Single family
Built 2025
Community pool
Shared amenity
3 car garage
Driveway
9,148 sqft lot
Lot size
3,558 sqft
Living area

Payment

Est. monthly payment
$3,923/mo
Down payment (20%)
$128,000
Property taxes
$140/mo
HOA
$125/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2025
Lot
9,148 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
36
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Split Bedroom
Walk-in Closet(s)
Rain Gutters
Sidewalk
Clubhouse
Playground
Pool
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
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)
$1,679
Parcel #
13-26-31-3673-0001-1770

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
9,148 sqft
Corner Lot
HOA
$125/mo
Rizzetta & Company

Price history

Date
Event
Price
9/4/2026
Listed for sale
Source: Stellar MLS #O6439177
$640,000
$180/sqft

Neighborhood

2603 Bittern Bnd
St Cloud, FL, 34773 · 34773 - St Cloud (Harmony)

Market insights

Offer Insights

Choose an offer strength

List price: $640,000
$635,000 – $640,000
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 36.

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

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Calculator

Est. monthly payment
$3,923/mo
Principal & interest$3,338
Property taxes$140
Insurance$320
HOA$125
Down payment20% · $128,000
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%. 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

$640,000

$180 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,558 sq ft

Time on market

36 days

Year built

2025

Monthly payment

About $3,923/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,679 annual tax bill, insurance, and the $125/mo HOA fee.

HOA fee

$125/mo

Managed by Rizzetta & Company.

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 byREDFIN CORPORATIONListing agent: Trevin PerezListing data from Stellar MLS, MLS# O6439177.

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