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Overview

6 bd8 ba5,049 sqft3 car garageSingle Family
TypeSingle Family
HOANone listed
Built2006
Lot164,221 sqft
Living area5,049 sqft
Price / sqft$355
Garage3 car

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

About this home

Built-in FeaturesCeiling Fans(s)Central VaccumChair RailCrown MoldingEat-in KitchenHigh CeilingsPrimary Bedroom Main Floor

6900 Ranchero CT is a 2006-built home in Bay Lake Ranch Unit 3, St Cloud. Inside you'll find 6 bedrooms, 8 bathrooms, and 5,049 square feet of living space. Listed at $1,790,000 (about $355/sqft), 198 days on market. Flood zone X,A - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. The Pinnacle of Lakefront Living......Designed to Entertain, Built to Endure, & Positioned to Inspire. Situated along the shore of spring-fed Bay Lake, this exceptional Estate is the only one with true, North lake frontage and access in Bay Lake Ranch. Being on the cul-de-sac of Ranchero, having private lake frontage, & abutting the 1076-acre Lake Lizzie Preserve, I'd say location & seclusion of this caliber can be very rare. The home reveals itself as a RETREAT.....indoor elegance that flows seamlessly into expansive outdoor living spaces. Posed for entertaining: a theater room, game room, wet bar, sprawling lanai & summer kitchen, a lagoon-style pool & spa, a fully outfitted PAVILION boasting its OWN SUMMER KITCHEN, & a private boathouse that features 2 lifts, a composite dock/deck, lighting, water, & breathtaking sunsets. Refined interior: PLANTATION SHUTTERS, CROWN MOLDING, EPOXY FLOORS, ELECTRIC FIREPLACE(S), STONE WALL. A Chef's Kitchen without compromise: quartz counters, 2 sinks, wine racks, breakfast bar, walk-in pantry, Bosch induction cooktop, Bosch convection microwave, Subzero refrigerator, 2 Fisher & Paykel drawer dishwashers, Miele steam drawer, 48-bottle wine fridge, Bosch double oven, built-in coffee maker, a potfiller, touchless faucets, 2 disposals, pull-out spice racks, pop-up power station, & much more! Downstairs showcases your Owner's Suite & a 2nd En-suite, both with direct access to the pool lanai. Fit for a King (or Queen), this Owner's Suite has a lit tray ceiling, its own electric fireplace, 2 walk-in closets, & a spa-inspired bath. Stone accents, lavish pass-through shower, multiple rainheads, stunning bay window with bench seating & waterfall glass, dual vanities, built-in storage, & private water closets/bidet. Every additional bedroom offers its own ensuite bath, walk-in showers, & thoughtful design......2 of the upstairs en-suites offer balcony access, & vaulted ceilings. Another level of infrastructure: GENERAC DIESEL GENERATOR equipped to keep the entire property functioning during an outage, updated security & surveillance, cable wired throughout, ADA water closets, new smoke detectors, CENTRAL VACUUM, irrigation system, & a 3-car garage with new epoxy flooring, a half bath, new LED lights, Smart openers, & a keypad. This meticulously maintained LAKEFRONT estate blends luxury, technology, & refinement.....destination-living that is entirely unforgettable. Please inquire on the complete Feature Sheet for this property.

The essentials

Built
2006
Price / sqft
$355
On market
198 days
Annual tax
$9,852
Flood zone
X,A · Low risk
Lot
164,221 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Waterfront
Lake Front
Private pool
Heated
3 car garage
Bath In Garage
3.77 acres
Lot size

Payment

Est. monthly payment
$11,052/mo
Down payment (20%)
$358,000
Property taxes
$821/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
164,221 sqft
Cooling
Central Air, Zoned
Heating
Central, Zoned
Parking
Bath In Garage, Circular Driveway, Driveway, Garage Door Opener, Garage Faces Side, Oversized, Parking Pad
Pool
Gunite, Heated, In Ground, Lighting, Salt Water, Tile
Waterfront
Lake Front
Days on Market
198
Built-in Features
Ceiling Fans(s)
Central Vaccum
Chair Rail
Crown Molding
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Wet Bar
Window Treatments
Awning(s)
Balcony
Lighting
Outdoor Kitchen
Outdoor Shower
Rain Gutters
Rv Hookup
Sidewalk
Bar Fridge
Built-in Oven
Convection Oven
Cooktop
Dishwasher
Disposal
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Touchless Faucet
Water Softener
Wine Refrigerator
Homestead exemption on file Flood Zone X,A
Annual Tax (2025)
$9,852
Parcel #
18-26-32-2599-0001-1230

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 Ranch Unit 3
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
164,221 sqft
Cul-De-SacIn CountyLandscapedStreet Dead-EndPaved

Price history

Date
Event
Price
7/30/2026
Price change
Source: Stellar MLS #S5146413
$1,790,000-4.5%
$355/sqft
-
Price change
Source: Stellar MLS #S5146413
$1,875,000-6.2%
$371/sqft
3/26/2026
Listed for sale
Source: Stellar MLS #S5146413
$2,000,000
$396/sqft

Neighborhood

6900 Ranchero CT
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $1,790,000
$1.78M – $1.79M
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 198 after a $210,000 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
$11,052/mo
Principal & interest$9,336
Property taxes$821
Insurance$895
Down payment20% · $358,000
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

$1,790,000

$355 per sq ft

Beds and baths

6 beds, 8 baths

Size

5,049 sq ft

Time on market

198 days

Year built

2006

Monthly payment

About $11,052/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,852 annual tax bill, insurance.

Flood zone

Zone X,A

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 byFLORIDA REALTY RESULTS LLCListing agent: Jennifer Davis, PAListing data from Stellar MLS, MLS# S5146413.

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