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About this home
6570 Bay Shore Dr is a 1974-built home in Bay Lake Estates, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,894 square feet of living space. Listed at $439,900 (about $232/sqft), 173 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
Waterfront living, a private pool, and a half-acre lifestyle — welcome home to Bay Shore Drive. This 3-bedroom, 2-bath CBS pool home sits on over half an acre with 110 feet of canal frontage leading directly to Bay Lake. Drop your kayak or tie up your boat at the private wood dock, take a dip in the sparkling freeform screened pool, and enjoy everything this established waterfront neighborhood has to offer — including a private community boat ramp and tennis courts, all with no mandatory HOA. Step inside and you'll immediately notice the new laminate flooring flowing through the main living areas and the striking exposed wood beam ceiling detail that gives this home real character. The spacious living room features a large picture window that fills the space with natural light, and the open staircase leads to the upper level with its own covered balcony overlooking the neighborhood. The kitchen offers solid wood cabinetry, plenty of counter space, and a window with views out toward the pool and lanai — making meal prep feel a little more like Florida living. A mud room connects the kitchen directly to the covered back porch, keeping your home clean after pool days and boating adventures. Out back is where this property truly shines. The enormous covered and painted lanai runs the full length of the home — perfect for outdoor dining, entertaining, or just relaxing in the shade. Step through to the screened pool enclosure with its freshly replaced screens and generous pool deck, and take in the wide open yard that stretches down to your seawall and dock on the canal. Peace of mind is built in: new roof (2021), new electrical panel (2026), new water heater (2025), and new laminate flooring (2026) mean the big-ticket items are already done. The 2-car finished garage adds even more utility. Bay Lake access. Private dock. Pool. Half acre. Optional HOA. This is the Florida waterfront lifestyle — without the waterfront price tag of newer construction.
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Quick answers.
Price
$439,900
$232 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,894 sq ft
Time on market
173 days
Year built
1974
Monthly payment
About $2,918/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,845 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.
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