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Overview

2 bd2 ba1,136 sqftVilla
TypeVilla
HOA$310/mo
Built1984
Lot1,437 sqft
Living area1,136 sqft
Price / sqft$229

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

About this home

Ceiling Fans(s)Open FloorplanPrimary Bedroom Main FloorWindow TreatmentsBalconyPrivate MailboxStoragePool

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.

From the listing

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.

The essentials

Built
1984
Price / sqft
$229
On market
73 days
Annual tax
$2,567
HOA
$310/mo
Flood zone
X · Low risk
Lot
1,437 sqft
Type
Villa

At a glance

Villa
Built 1984
Community pool
Shared amenity
1,437 sqft lot
Lot size
1,136 sqft
Living area

Payment

Est. monthly payment
$2,010/mo
Down payment (20%)
$52,000
Property taxes
$214/mo
HOA
$310/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1984
Lot
1,437 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
73
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Window Treatments
Balcony
Private Mailbox
Storage
Pool
Dishwasher
Disposal
Dryer
Electric Water Heater
Range Hood
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,567
Parcel #
09-26-30-0610-000A-0190

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
Pine Lake Villas
County
Osceola
MLS Area
34769 - St Cloud (City of St Cloud)
Lot Size
1,437 sqft
Sidewalk
HOA
$310/mo
Barbara Freeman

Price history

Date
Event
Price
8/24/2026
Price change
Source: Stellar MLS #S5154904
$260,000-1.9%
$229/sqft
8/3/2026
Listed for sale
Source: Stellar MLS #S5154904
$265,000
$233/sqft

Neighborhood

3712 Bay CT
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $260,000
$257,500 – $260,000
99.5% – 100% of listTops out right at the list price
80% of listList price
29 of the last 41 townhouse or villa closings in 34769 landed at this number or higher (71%). The median one sat 60 days before it went under contract, and this one is on day 73 after a $5,000 cut.

Sample: 41 closed townhouse or villa sales in 34769 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,010/mo
Principal & interest$1,356
Property taxes$214
Insurance$130
HOA$310
Down payment20% · $52,000
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%. 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.

Offer

What should I offer?

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Brokered byPREFERRED REAL ESTATE BROKERSListing agent: Christian RosaListing data from Stellar MLS, MLS# S5154904.

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