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About this home
3712 Bay CT is a 1984-built home in Pine Lake Villas, St Cloud. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,136 square feet of living space. Listed at $260,000 (about $229/sqft), 73 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $310 monthly.
Move-in ready and thoughtfully maintained, this 2-bedroom, 2-bath villa in Pine Lake Villas puts single-story, low-maintenance living just minutes from downtown St. Cloud. Inside, 1,136 square feet are laid out for easy living, with tile flooring throughout, a kitchen finished with a tile backsplash and stainless steel appliances, and major systems already handled for you: windows replaced in 2020, the roof in 2015, and the HVAC system in 2014. A private front patio welcomes you home, while the large screened back lanai extends the living space outdoors — ideal for morning coffee or unwinding at the end of the day. Pine Lake Villas offers the kind of quiet, established neighborhood feel that's increasingly hard to find, with easy access to US-192 and Florida's Turnpike putting Orlando's job centers, Lake Nona's Medical City, and Orlando International Airport within convenient reach. Everyday life stays simple here, with nearby supermarkets, dining, and Orlando Health St. Cloud Hospital all close by, and downtown St. Cloud's lakefront district — with its shops, restaurants, and waterfront park on East Lake Toho — just a short drive away. The area continues to see meaningful investment, from planned improvements to the Turnpike and Canoe Creek Road to a revitalized downtown lakefront district, adding long-term value to this already convenient location. Low-maintenance, updated, and centrally located — this is an opportunity to settle into St. Cloud living with the big-ticket items already done.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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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 includes any condo dues 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
$260,000
$229 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,136 sq ft
Time on market
73 days
Year built
1984
Monthly payment
About $2,010/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,567 annual tax bill, insurance, and the $310/mo HOA fee.
HOA fee
$310/mo
Managed by Barbara Freeman.
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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