$265,000
3712 Bay Court
St Cloud, FL 34769
Listing updated: August 9, 2026 at 1:52 AM ET
Listing courtesy of Preferred Real Estate Brokers · Christian Rosa · MLS #S5154904 · Active · 407-440-4900Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
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.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history5 days on market
- Status: ActiveAug 3, 2026
- Listed$265,000Aug 3, 2026
- Price increased$265,000
Facts & features
- Property type
- Residential
- Sub type
- Villa
- Status
- Active
- Days on market
- 5
- Subdivision
- Pine Lake Villas
- County
- Osceola
- Year built
- 1984
- Living area
- 1,136 sq ft
- Price/sq ft
- $233
- Building area
- 1,418 sq ft (Public Records)
- Lot size
- 1,437 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0256G)
- Annual taxes
- $2,567 (2025)
- Parcel #
- 09-26-30-0610-000A-0190
- Zoning
- SPUD
- MLS #
- S5154904
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Range Hood, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Open Floorplan, Primary Bedroom Main Floor, Window Treatments
- Laundry
- In Kitchen
- Stories / Levels
- One
- Direction faces
- Northeast
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
HOA & Financial
- HOA fee
- $310 / Monthly
- Monthly HOA
- $310/mo
- Total monthly fees
- $310/mo
- Total annual fees
- $3,720
- HOA name
- Barbara Freeman
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Cash
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Please call HOA to confirm any changes: 407-892-3764
Exterior & Construction
- Exterior features
- Balcony, Private Mailbox, Storage
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Available, Public, Sewer Connected
Community
- Pets allowed
- Cats OK, Dogs OK
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Great Room | First | 12x16 |
| Kitchen | First | 7x17 |
| Dining Room | First | 12x6 |
| Primary Bedroom | First | 14x12 |
| Bedroom 2 | First | 14x12 |
| Balcony/Porch/Lanai | First | 10x22 |
Listing Details
- Listing date
- 2026-08-03
- On market date
- 2026-08-03
- Original list price
- $265,000
- Occupant type
- Owner
- MLS area
- 34769 - St Cloud (City of St Cloud)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-08-03
- Tax legal description
- PINE LAKE VILLAS PB 4 PG 62 BLK A LOT 19
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Use any lane to turn left onto Florida Nat'l Scenic Trl/Old Canoe Creek Rd ? 1.5 mi Turn right onto Pine Lake Dr 0.5 mi Turn left onto 17th St ? 0.1 mi Turn left onto Bay Ct ? Restricted usage road ? 0.1 mi Turn right to stay on Bay Ct ? Restricted usage road
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of August 9, 2026 at 1:52 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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