$695,000
PENDING $5K PRICE DROP

Estimated payment $4,256/month

Total Views 1,884
5 Beds
2.5 Baths
2,413 Sq Ft
$288 Price per Sq Ft

Highlights

  • Corral
  • Solar Power System
  • Reverse Osmosis System
  • Harmony Community School Rated 9+
  • View of Trees or Woods
  • 3.12 Acre Lot

About This Home

Under contract-accepting backup offers. Welcome to your own PRIVATE HOMESTEAD RETREAT in Bay Lake Ranches, where country living, modern updates, and usable acreage come together on 3.12 ACRES in St. Cloud. This five-bedroom, two-and-a-half-bath home offers the space, flexibility, and freedom today’s buyers are searching for, with room to garden, raise animals, and fully embrace the lifestyle they’ve been dreaming about. Thoughtfully designed for self-sufficient living, the property features an ESTABLISHED FOOD FOREST (ask for the list of edible plants and fruit-producing trees), along with a pigpen and chicken coop that make it easy to step into a more intentional way of life. Whether your vision includes collecting fresh eggs each morning, growing your own food, homeschooling, or simply enjoying open space and privacy, this property is ready to support it. With over three acres, there is still plenty of room to expand gardens, add additional animals, park recreational vehicles, build workshops, or simply enjoy the peaceful surroundings and natural beauty of the property. Inside, the home blends rustic charm with meaningful modern updates and a functional layout designed for everyday living. The FIRST FLOOR PRIMARY SUITE offers privacy and convenience, complete with a walk-in closet, dual sink vanity, and a beautifully updated step-in shower with glass enclosure. Upstairs, the four additional bedrooms share a thoughtfully designed split bathroom layout featuring two separate standalone vanities partitioned from the shower-equipped bathtub and toilet area, making busy mornings and shared living far more functional. Both bathrooms have been remodeled with a modern farmhouse flair, while the upstairs carpeting has been replaced with durable luxury vinyl plank flooring. The kitchen has been tastefully refreshed with painted cabinetry, while a dedicated workstation area now features butcher block countertops and a tile backsplash that add warmth and character to the already functional layout complete with a large walk-in pantry and stainless-steel appliances. Downstairs, a former storage room has been transformed into a dedicated craft or HOMESCHOOLING ROOM, creating valuable flex space for modern living. The laundry room has also been updated with bead-board accents and new vinyl flooring for a polished farmhouse-inspired touch. In addition to the cosmetic updates, SOLAR PANELS add valuable energy efficiency, with the sellers paying off the solar loan at closing so the next owner can immediately enjoy significantly reduced utility costs. According to the sellers, the electric bill averages approximately $100 per month. The roof and HVAC system were both replaced in 2018, adding even more long-term value and peace of mind. The property also includes a two-car attached garage, private well and septic, a spacious deck for outdoor living, and zoning that allows horses, making it ideal for buyers seeking land that works as hard as they do. Located in the peaceful Bay Lake Ranch community, residents enjoy larger acreage homesites, a relaxed rural atmosphere, and the freedom of a no-HOA lifestyle, all while remaining conveniently close to downtown St. Cloud, Lake Nona Medical City, shopping, dining, Orlando International Airport, major attractions, and Florida’s east coast beaches. More than just a home, this is an opportunity to PLANT ROOTS, create lasting traditions, and enjoy the freedom, privacy, and fulfillment of true Florida homestead living.

Listing Agent

Amber Finch

FINCH REAL ESTATE COMPANY Brokerage Phone: 321-689-8196 License #3215714 Listed on: 05/14/2026

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,887

Year Built

  • Built in 2001

Lot Details

  • 3.12 Acre Lot
  • Unincorporated Location
  • Southwest Facing Home
  • Fruit Trees
  • Wooded Lot
  • Vegetable Garden
  • Property is zoned OA1A

Parking

  • 2 Car Attached Garage

Home Design

  • Bi-Level Home
  • Slab Foundation
  • Frame Construction
  • Shingle Roof
  • Concrete Siding
  • Stucco

Interior Spaces

  • 2,413 Sq Ft Home
  • Ceiling Fan
  • Blinds
  • French Doors
  • Entrance Foyer
  • Family Room Off Kitchen
  • Living Room
  • Dining Room
  • Den
  • Inside Utility
  • Views of Woods

Kitchen

  • Built-In Oven
  • Cooktop with Range Hood
  • Dishwasher
  • Disposal
  • Reverse Osmosis System

Flooring

  • Engineered Wood
  • Tile
  • Luxury Vinyl Tile
  • Vinyl

Bedrooms and Bathrooms

  • 5 Bedrooms
  • Primary Bedroom on Main
  • Pedestal Sink
  • Bathtub with Shower
  • Shower Only

Laundry

  • Laundry Room
  • Dryer
  • Washer

Schools

  • Harmony Community Elementary School
  • Harmony Middle School

Horse Facilities and Amenities

  • Zoned For Horses
  • Corral

Utilities

  • Central Heating and Cooling System
  • Thermostat
  • Water Filtration System
  • Well
  • Electric Water Heater
  • Water Softener
  • Septic Tank
  • Private Sewer

Additional Features

  • Solar Power System
  • Deck

Community Details

  • No Home Owners Association
  • Bay Lake Ranch Unit 3 Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,887

Year Built

Built in 2001

Lot Details

3.12 Acres

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Concrete, Stucco, Frame
  • Fireplace: No
  • Living Area: 2413
  • Lot Size Acres: 3.12
  • New Construction: No
  • Year Built: 2001
  • Building Area Total: 2919
  • Lot Size Sq Ft: 135907
  • Status: Pending
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 271.18
  • Escrow City: Orlando
  • Escrow State: FL
  • Escrow Street Name: Millenia Blvd Ste 240
  • Minimum Lease: No Minimum
  • RATIO Current Price By Calculate: 288.02
  • Total Acreage: 2 to less than 5
  • Water Access YN: 0
  • MFR_SolarPanelOwnership: Financed
  • MFR_InLawSuiteYN: 0
  • Attribution Contact: 321-689-8196
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Hardwood, Luxury Vinyl
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Interior Amenities: Ceiling Fans(s), Kitchen/Family Room Combo, Primary Bedroom Main Floor, Thermostat
  • Appliances Included: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Kitchen Reverse Osmosis System, Range Hood, Refrigerator, Washer, Water Filtration System, Water Softener
  • Foundation Details: Slab
  • Total Bedrooms: 5
  • Levels: Two
  • Window Features: Blinds
  • Additional Rooms: Den/Library/Office,Inside Utility
  • Living Area Meters: 224.17

Exterior Features

  • Direction Faces: Southwest
  • Other Structures: Corral(s)
  • Exterior Features: French Doors
  • Roof: Shingle
  • Pool Private: No
  • View: Trees/Woods
  • Waterfront: No
  • Patio and Porch Features: Deck
  • Road Surface Type: Paved
  • Water View YN: 0
  • Waterfront Feet Total: 0
  • Flood Zone Panel: 12097C0285G

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes

Utilities

  • Utilities: Electricity Connected, Private
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Inside, Laundry Room
  • Sewer: Septic Tank
  • Water Source: Well

Condo/Co-op/Association

  • Association: No
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Verify pet restrictions with municipality.

Fee Information

  • Total Annual Fees: 0.00
  • Total Monthly Fees: 0.00

Schools

  • Elementary School: Harmony Community School (K-5)
  • Middle Or Junior School: Harmony Middle

Lot Info

  • Zoning: OA1A
  • Parcel Number: 18-26-32-2599-0001-3070
  • Additional Parcels: No
  • Lot Features: Paved, Unincorporated, Zoned for Horses
  • Flood Zone Code: X

Green Features

  • Green Power: Solar
  • Green Landscaping: Veg. (Productive) Garden

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Yes
  • Lease Restrictions YN: 0
  • Additional Lease Restrictions: Verify lease restrictions with municipality.

Tax Info

  • Tax Annual Amount: 5887
  • Tax Block: 1
  • Tax Book Number: 4-59
  • Tax Lot: 307

Map

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $5,633 $414,334 -- --
2024 $5,520 $402,657 -- --
2023 $5,520 $390,930 $0 $0
2022 $5,250 $356,400 $82,700 $273,700
2021 $4,829 $304,400 $65,900 $238,500
2020 $4,522 $289,500 $63,400 $226,100
2019 $4,214 $264,900 $53,100 $211,800
2018 $3,702 $218,600 $45,200 $173,400
2017 $3,641 $209,700 $42,700 $167,000
2016 $3,543 $201,400 $40,200 $161,200
2015 $3,499 $194,800 $37,700 $157,100
2014 $3,260 $185,300 $35,200 $150,100
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
05/29/2026 05/29/26 Pending -- -- --
05/27/2026 05/27/26 Price Changed $695,000 -0.7% $288 / Sq Ft
05/14/2026 05/14/26 For Sale $700,000 +21.7% $290 / Sq Ft
05/25/2022 05/25/22 Sold $575,000 0.0% $230 / Sq Ft View Prior Sale
04/06/2022 04/06/22 Pending -- -- --
04/02/2022 04/02/22 For Sale $575,000 -- $230 / Sq Ft
Source: Stellar MLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $575,000 New Title Company Name
Quit Claim Deed $128,821 Attorney
Deed $128,900 --
Warranty Deed $212,000 --
Warranty Deed $20,000 --
Deed -- --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $460,000 New Conventional
Previous Owner $201,400 Purchase Money Mortgage
Previous Owner $161,500 Purchase Money Mortgage
Source: Public Records

Source: Stellar MLS

MLS Number: O6407176

Stellar MLS

APN: 18-26-32-2599-0001-3070

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