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Overview

3 bd2 ba1,894 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1974
Lot21,998 sqft
Living area1,894 sqft
Price / sqft$232
Garage2 car

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About this home

Ceiling Fans(s)ThermostatLightingDishwasherDisposalElectric Water HeaterRefrigerator

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.

From the listing

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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The essentials

Built
1974
Price / sqft
$232
On market
173 days
Annual tax
$4,845
Flood zone
X · Low risk
Lot
21,998 sqft
Type
Single Family Residence

At a glance

Single family
Built 1974
Waterfront
Canal - Freshwater
Private pool
Diving Board
2 car garage
Driveway
0.51 acres
Lot size

Payment

Est. monthly payment
$2,918/mo
Down payment (20%)
$87,980
Property taxes
$404/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1974
Lot
21,998 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Pool
Diving Board, Gunite, In Ground, Screen Enclosure
Waterfront
Canal - Freshwater, Canal Front
Days on Market
173
Ceiling Fans(s)
Thermostat
Lighting
Dishwasher
Disposal
Electric Water Heater
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,845
Parcel #
13-26-31-2595-0001-0950

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
8/18/2026
Price change
Source: Stellar MLS #S5148617
$439,900-4.3%
$232/sqft
-
Price change
Source: Stellar MLS #S5148617
$459,900-12.4%
$243/sqft
4/24/2026
Listed for sale
Source: Stellar MLS #S5148617
$524,900
$277/sqft

Neighborhood

6570 Bay Shore Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $439,900
$437,500 – $439,900
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 471 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 173 after a $85,000 cut.

Sample: 471 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,918/mo
Principal & interest$2,294
Property taxes$404
Insurance$220
Down payment20% · $87,980
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

$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.

Offer

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Have another question?

Brokered byEAST PARK REALTY LLCListing agent: Racquel SchroederListing data from Stellar MLS, MLS# S5148617.

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