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Overview

0 baLand
TypeLand
HOANone listed
Lot229,126 sqft

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

About this home

Mustang is a home in Bay Lake Ranch Unit 3, St Cloud. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Looking for space, privacy, and the freedom to build exactly what you envision? BUILD YOUR DREAM HOME ON 5.26 ACRES — BAY LAKE RANCH, ST. CLOUD. This 5.26-acre homesite in the desirable Bay Lake Ranch community offers exactly that. The lot is high and dry, not in a flood zone, has no HOA, and sits on a paved road — a combination that's increasingly hard to find. Beyond your custom home, there's room for a detached garage, workshop, barn, pool, outdoor entertaining space, and parking for RVs, boats, or other recreational vehicles. A guest house may also be possible where permitted. Surrounded by custom homes and mature trees, Bay Lake Ranch offers quiet, private acreage living just minutes from Lake Nona Medical City, Orlando International Airport, the Florida Turnpike, SR 417, and Central Florida's shopping, dining, and schools. Whether you're ready to build now or want to hold this land as a future investment, this is a rare opportunity to own over five acres in an established acreage community. Bring your builder and your vision — see why so many people love calling Bay Lake Ranch home.

The essentials

On market
41 days
Annual tax
$1,767
Flood zone
X · Low risk
Lot
229,126 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$2,147/mo
Down payment (20%)
$70,000
Property taxes
$147/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
229,126 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
41
Elementary
Harmony Community School (K-5)
Middle
Harmony Middle
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$1,767
Parcel #
18-26-32-2599-0001-3090

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
229,126 sqft

Price history

Date
Event
Price
9/1/2026
Listed for sale
Source: Stellar MLS #S5156364
$350,000

Neighborhood

Mustang
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Calculator

Est. monthly payment
$2,148/mo
Principal & interest$1,825
Property taxes$147
Insurance$175
Down payment20% · $70,000
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

$350,000

Time on market

41 days

Monthly payment

About $2,147/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,767 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.

Have another question?

Brokered byEXP REALTY LLCListing agent: Kevin KendrickListing data from Stellar MLS, MLS# S5156364.

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