$499,900
PENDING $50K PRICE DROP

Estimated payment $3,123/month

Total Views 6,541
4 Beds
2 Baths
2,464 Sq Ft
$203 Price per Sq Ft

Highlights

  • 4.26 Acre Lot
  • Main Floor Primary Bedroom
  • No HOA
  • Harmony Community School Rated 9+
  • Bonus Room
  • Mature Landscaping

About This Home

Under contract-accepting backup offers. Bay Lake Ranch in St. Cloud! Situated on 4.26 acres with No HOA. Major updates include a NEW ROOF 2022, Interior Paint in Living Areas 2026, A/C 2016 and WATER HEATER approximately 7 years old. The home features 3 bedrooms, 2 bathrooms, plus 2 upstairs bonus rooms. One bonus room measures 21x14 and is currently being used as a 4th bedroom. The second bonus room is an unfinished 22x14 space that could easily be completed to create a 5th bedroom, home office, storage room, or flex space—the possibilities are endless! Finishing this area would add approximately 308 heated square feet. Outside, there is plenty of room to truly make this property your own—add a pool, build a workshop, plant a garden, or simply enjoy the privacy and open space. The home also features a side-entry garage with garage door opener and a welcoming covered front porch perfect for relaxing. 41' covered rear porch. Inside, you’ll find a spacious entryway with a formal dining room to the left, leading into a large great room with a living area that opens to the kitchen. The spacious kitchen offers an eat-in area, breakfast bar, abundant countertop space, plenty of storage, and stainless-steel appliances that are included. The primary suite is privately located on the left side of the home and features an ensuite bath with a jacuzzi tub, separate shower, and large walk-in closet. A dedicated laundry room with a utility sink adds convenience. On the opposite side of the home, you’ll find 2 additional bedrooms and a shared hall bathroom. Upstairs is the oversized bonus room currently used as a 4th bedroom, along with the unfinished flex/storage room ready for your vision. If you’re ready to make your move and add your personal touch to this special home, call today to schedule your private showing!

Listing Agent

Janet McQuagge

REMAX PREMIER PROPERTIES Brokerage Phone: 407-343-4245 License #3081509 Listed on: 04/09/2026

REMAX PREMIER PROPERTIES

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,269

Year Built

  • Built in 2005

Lot Details

  • 4.26 Acre Lot
  • West Facing Home
  • Mature Landscaping

Parking

  • 2 Car Attached Garage

Home Design

  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,464 Sq Ft Home
  • 2-Story Property
  • Ceiling Fan
  • Blinds
  • French Doors
  • Family Room Off Kitchen
  • Living Room
  • Dining Room
  • Bonus Room
  • Storage Room
  • Inside Utility
  • Utility Room

Kitchen

  • Eat-In Kitchen
  • Range
  • Microwave
  • Dishwasher

Flooring

  • Carpet
  • Laminate
  • Tile
  • Vinyl

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • Split Bedroom Floorplan
  • En-Suite Bathroom
  • Walk-In Closet
  • 2 Full Bathrooms
  • Soaking Tub

Laundry

  • Laundry Room
  • Dryer
  • Washer

Outdoor Features

  • Covered Patio or Porch

Schools

  • Harmony Community Elementary School
  • Harmony Middle School

Utilities

  • Central Heating and Cooling System
  • Well
  • Water Softener
  • Septic Tank
  • Cable TV Available

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

$5,269

Year Built

Built in 2005

Lot Details

4.26 Acres

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 2464
  • Lot Size Acres: 4.26
  • New Construction: No
  • Year Built: 2005
  • Building Area Total: 3443
  • Lot Size Sq Ft: 185566
  • Status: Pending
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 319.87
  • Escrow City: St. Cloud
  • Escrow State: FL
  • Escrow Street Name: Pennsylvania Ave
  • Minimum Lease: 7 Months
  • Number Of Pets: 10+
  • RATIO Current Price By Calculate: 202.88
  • Total Acreage: 2 to less than 5
  • Water Access YN: 0
  • MFR_InLawSuiteYN: 0
  • Attribution Contact: 407-343-4245
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Laminate, Tile, Vinyl
  • Full Bathrooms: 2
  • Interior Amenities: Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Primary Bedroom Main Floor, Split Bedroom, Walk-In Closet(s)
  • Appliances Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Stories: 2
  • Window Features: Blinds
  • Additional Rooms: Bonus Room,Inside Utility,Storage Rooms
  • Living Area Meters: 228.91

Exterior Features

  • Direction Faces: West
  • Exterior Features: French Doors
  • Roof: Shingle
  • Pool Private: No
  • Waterfront: No
  • Patio and Porch Features: Covered, Front Porch, Rear Porch
  • 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: Cable Connected
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: 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: Contact Osceola County for pet restrictions
  • Pet Size: Extra Large (101+ Lbs.)

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: RES
  • Parcel Number: 18-26-32-2599-0001-3110
  • Additional Parcels: No
  • Flood Zone Code: X

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Yes
  • Lease Restrictions YN: 0

Tax Info

  • Tax Annual Amount: 5269.36
  • Tax Block: 1
  • Tax Book Number: 4-59
  • Tax Lot: 311

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 $5,035 $369,751 -- --
2024 $4,933 $359,331 -- --
2023 $4,933 $348,866 $0 $0
2022 $4,749 $338,705 $0 $0
2021 $4,723 $328,840 $0 $0
2020 $4,665 $324,300 $63,400 $260,900
2019 $4,899 $297,100 $53,200 $243,900
2018 $2,674 $189,179 $45,300 $143,879
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
06/27/2026 06/27/26 Pending -- -- --
06/23/2026 06/23/26 Price Changed $499,900 -4.8% $203 / Sq Ft
06/15/2026 06/15/26 Price Changed $525,000 -2.8% $213 / Sq Ft
05/20/2026 05/20/26 Price Changed $539,900 -1.8% $219 / Sq Ft
04/09/2026 04/09/26 For Sale $549,900 -- $223 / 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 $316,000 Stewart Title Company
Warranty Deed $40,000 --
Warranty Deed $25,500 --
Warranty Deed $26,500 --
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
Closed $265,000 New Conventional
Closed $257,224 FHA
Source: Public Records

Source: Stellar MLS

MLS Number: S5147446

Stellar MLS

APN: 18-26-32-2599-0001-3110

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