$439,900
6570 Bay Shore DriveSt Cloud, FL 34771
Listing updated: November 7, 2026 at 6:51 AM ET
Listing courtesy of Watson Realty Corp. · Clarissa Estevez · MLS #S5160691 · Active · 407-589-1600Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Welcome to this beautiful two-story waterfront home in St. Cloud, offering over half an acre of property and an impressive 110 feet of canal frontage with access to Bay Lake! Located in a non-HOA community, residents also enjoy access to a private community boat ramp, making this property ideal for those who appreciate waterfront living and outdoor recreation. Inside, the home features new laminate flooring throughout the main living areas, a spacious living room with large windows and beautiful exposed wood ceiling beams, and a formal dining room filled with natural light. The kitchen offers abundant cabinetry for storage and generous countertop space, providing plenty of room for everyday living and entertaining. This three-bedroom, two-bathroom home offers a desirable split-level layout, with two bedrooms and a full bathroom on the first floor. The private primary suite is located upstairs and features a walk-in closet and a covered balcony overlooking the neighborhood and the water. Step outside to enjoy the covered back porch, screened-in pool enclosure, and expansive pool deck overlooking the canal—perfect for relaxing, entertaining, and enjoying the Florida lifestyle. Major updates include a new roof in 2021, a new interior and exterior electrical panel in 2026, a new water heater in 2025, and recently replaced AC vents. With its spacious homesite, waterfront setting, boating access, private pool, and no HOA, this property offers a wonderful opportunity to enjoy the best of Florida waterfront living!
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 history191 days on market
- Status: ActiveNov 6, 2026
- Listed$439,900Nov 6, 2026
Property Documents
Documents the listing agent has made public for this property. Free to view and download.
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 191
- Cumulative DOM
- 191
- Subdivision
- Bay Lake Estates
- County
- Osceola
- Year built
- 1974
- Living area
- 1,894 sq ft
- Price/sq ft
- $232
- Building area
- 2,978 sq ft (Public Records)
- Lot size
- 22,216 sq ft
- Lot category
- 1/2 to less than 1
- Flood zone
- X
- Pool
- Private pool
- Annual taxes
- $4,844 (2025)
- Parcel #
- 13 26 31 2595 0001 0950
- Zoning
- RESIDENTIAL
- MLS #
- S5160691
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Laminate, Tile
- Appliances
- Dishwasher, Range, Refrigerator
- Interior features
- Ceiling Fans(s), Other, PrimaryBedroom Upstairs, Thermostat, Walk-In Closet(s)
- Laundry
- In Garage
- Stories / Levels
- Two
- Direction faces
- North
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 0
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- None
- Total annual fees
- None
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Balcony
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Septic Tank
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Public
Community
- Pets allowed
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 11x13 |
| Living Room | First | 15x16 |
| Dining Room | First | 11x11 |
| Family Room | First | 20x15 |
| Bedroom 1 | First | 9x13 |
| Bedroom 2 | First | 10x13 |
| Primary Bedroom | Second | 12x16 |
Listing Details
- Listing date
- 2026-11-06
- On market date
- 2026-11-06
- Original list price
- $439,900
- Occupant type
- Owner
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Osceola
- Status changed
- 2026-11-06
- Tax legal description
- BAY LAKES EST PB 2 PG 86 & 87 LOT 95
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
Drive east on HWY 192 from Narcoossee. Left on Old Melbourne HWY to left on Bay Shore. Home on right.
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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 November 7, 2026 at 6:51 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.
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