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Overview

3 bd3 ba2,322 sqftSingle Family
TypeSingle Family
HOANone listed
Built1973
Lot21,998 sqft
Living area2,322 sqft
Price / sqft$248

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

About this home

Living Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorWalk-in Closet(s)Outdoor KitchenRain GuttersBuilt-in OvenCooktop

6670 Bay Shore Dr is a 1973-built home in Bay Lake Estates, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,322 square feet of living space. Listed at $575,000 (about $248/sqft), 233 days on market. Flood zone A - confirm flood insurance requirements with your lender.

From the listing

Welcome to 6670 Bayshore Drive in beautiful Saint Cloud, Florida a rare waterfront retreat on the shores of stunning Bay Lake, nestled within the sought-after Bay Lake Ranch community. Situated on just over half an acre, this unique two-story home is thoughtfully designed to maximize breathtaking water views, with the main living and entertaining spaces located on the second floor. The expansive Florida room showcases panoramic views overlooking Bay Lake creating the perfect setting for morning coffee, sunset gatherings, and effortless indoor-outdoor entertaining. The layout offers exceptional functionality and privacy, with the primary suite and additional bedrooms conveniently located on the first floor. This design provides a quiet retreat away from the main living areas ideal for restful evenings, guest privacy, or multi-generational flexibility. Step outside to experience true waterfront living. The backyard features your own private boat ramp, a covered dock to park your boat, kayaks, paddleboards or wave-runners Settle back on the charming sandy beach area perfect for relaxing lakeside. Just steps from the shoreline, a swim spa is perfectly positioned near the beach and dock offering an inviting space to unwind or exercise while enjoying the peaceful lake views. Outdoor living continues with a covered outdoor kitchen and fire pit, making this property an entertainer’s dream. A durable metal roof adds both style and long-term value. The spacious first-floor bonus room provides additional flexibility for a home office, recreation space, gym, or guest suite adapting easily to your lifestyle needs. If you’ve been searching for privacy, space, and authentic lakefront living with character and versatility, this Bay Lake property offers more than a home it offers a lifestyle. Don’t delay call today to schedule your showing.

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The essentials

Built
1973
Price / sqft
$248
On market
233 days
Annual tax
$2,598
Flood zone
A
Lot
21,998 sqft
Type
Single Family Residence

At a glance

Single family
Built 1973
Waterfront
Canal Front
0.51 acres
Lot size
2,322 sqft
Living area

Payment

Est. monthly payment
$3,503/mo
Down payment (20%)
$115,000
Property taxes
$217/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1973
Lot
21,998 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Canal Front, Lake Front
Days on Market
233
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Walk-in Closet(s)
Outdoor Kitchen
Rain Gutters
Built-in Oven
Cooktop
Dishwasher
Dryer
Microwave
Range Hood
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.

Homestead exemption on file Flood Zone A
Annual Tax (2025)
$2,598
Parcel #
13-26-31-2595-0001-0850

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
21,998 sqft

Price history

Date
Event
Price
7/16/2026
Price change
Source: Stellar MLS #S5144247
$575,000-4.2%
$248/sqft
2/19/2026
Listed for sale
Source: Stellar MLS #S5144247
$599,900
$258/sqft

Neighborhood

6670 Bay Shore Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $575,000
$570,000 – $575,000
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 233 after a $24,900 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
$3,503/mo
Principal & interest$2,999
Property taxes$217
Insurance$288
Down payment20% · $115,000
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

$575,000

$248 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,322 sq ft

Time on market

233 days

Year built

1973

Monthly payment

About $3,503/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,598 annual tax bill, insurance.

Flood zone

Zone A

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered bySOUTHERN GROUNDS REALTY LLCListing agent: Madie ZilkeListing data from Stellar MLS, MLS# S5144247.

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