3020 Ella Way, St Cloud, FL 34771
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 3020 Ella Way in Bridgewalk Ph 1A, St Cloud is listed at $645,000 (2,644 sq ft, about $244 per sq ft). It has been 83 days on market. Listing facts: built in 2022, waterfront, HOA dues of $165/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2022 · 4 yrs
- 2,644 sq ft of living area
- 3-car garage
- Listed at $645,000 — recent neighborhood median sale price ~$404,532 (nearby sales; deemed reliable, not an appraisal)
- 83 days on market
- HOA $165/mo (per listing)
About this home
$10,000 SELLER CONCESSION TOWARD BUYER CLOSING COSTS, PREPAIDS OR RATE BUYDOWN WITH AN ACCEPTABLE OFFER! BEFORE YOU BUILD, SEE THIS HOME! Why wait for construction when you can have a nearly new, move-in-ready WATERFRONT home on an exceptional homesite with upgrades already in place, an oversized 3-CAR GARAGE and incredible Florida sunset views?
Welcome to 3020 Ella Way in Bridgewalk, where the homesite may be just as impressive as the home itself. Built in 2022 and positioned on what is believed to be one of the community's largest waterfront homesites, this 4-bedroom, 3-bath residence offers more than 2,600 square feet of beautifully designed SINGLE-STORY living with expansive water views from the rear of the home. Walk inside and the difference is immediately apparent.
Natural light fills the open-concept living areas while the water beyond creates a beautiful backdrop to everyday life. Tile flooring extends throughout the ENTIRE HOME—no carpet—creating a polished, cohesive and easy-to-maintain interior. The spacious kitchen opens directly to the dining and great room, making the heart of the home equally suited for everyday living and entertaining.
Generously sized bedrooms provide comfortable private spaces, while the additional office/flex room gives you options for working from home, a media room, hobby space or additional living area. But this home was meant to be enjoyed OUTSIDE, too. Step onto the covered lanai and you'll quickly understand what makes this property special.
The oversized waterfront homesite delivers peaceful water views, incredible sunsets and an open setting that simply cannot be recreated on every lot. Imagine ending the day outside with dinner, drinks or simply watching the Florida sky change colors over the water. And don't overlook the THREE-CAR GARAGE—valuable additional space for vehicles, storage, hobbies and everything that comes with Florida living.
A welcoming covered front porch and attractive, easily maintained landscaping complete the home's curb appeal. Additional features include a whole-home water filtration system and solar panels, with the existing solar lease transferring to the buyer at closing. Then there is the Bridgewalk lifestyle.
Residents enjoy resort-style amenities including a community pool, fitness center, playgrounds, parks, racquetball courts, dog park, scenic walking and biking trails, plus a community boat launch with water access. All of this is located in the rapidly growing Sunbridge area near Lake Nona, with convenient access to Lake Nona Medical City, Orlando International Airport, major roadways, shopping, dining and everything this exciting corridor continues to bring. If you've been considering NEW CONSTRUCTION in the Lake Nona/Sunbridge area, put this home on your list BEFORE making a decision.
Here, the home is already built, the waterfront homesite is already established, the upgrades are already in place, and the seller is offering $10,000 toward eligible buyer closing costs, prepaids or a rate buydown with an acceptable offer. WATERFRONT. 3-CAR GARAGE.
SINGLE-STORY. 4 BEDROOMS. OVER 2,600 SQ FT.
BUILT IN 2022. $10,000 SELLER CONCESSION. Some features can be added later.
The right homesite can't. Schedule your private showing and come experience the view from 3020 Ella Way.
All 49 photos
Description provided by 920 REAL INC. and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $3,573/mo 76%
- Taxes $756/mo 16%
- Insurance $187/mo 4%
- HOA $165/mo 4%
$4,681/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3020 Ella Way
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $6,675/yr (certified county roll, taxable value × millage). Buy at the asking price of $645,000 and the first-year bill resets to about $9,075/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.23 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| CDD / special assessments | This listing reports $3,765/yr in CDD or special-district assessments on the tax bill (MLS, TaxOtherAnnualAssessmentAmount). |
| HOA dues | $165/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2022. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Estimated carrying cost at the asking price, before the mortgage: about $1,380/month (tax $756, CDD $314, HOA $165, insurance $145). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Osceola County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Bridgewalk market
How this home is priced against recent nearby sales, and where Bridgewalk has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2022BuiltPer public record
- About Jul 2026Listed (per MLS)MLS reports 83 cumulative days on market as of October 14, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $650,000
- Aug 20, 2026Price cut$645,000 (-$5,000, -0.8%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
4 closed sales in BRIDGEWALK PH 1A in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 4 sales: $404,532 ($164/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 4 comparable closed sales in BRIDGEWALK PH 1A, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $645,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $165/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- 5 active listings competing, 5 under contract
- ≈3.0 months of supply
- 32 closed here in the last 12 months
For reference, this home is listed at $645,000 ($244/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,644 sq ft × $144–$184/sq ft (±12% around the median of 4 comparable closed sales in BRIDGEWALK PH 1A, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 14, 2026.
Momentum Property Score
47/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Balanced conditions around this listing. 3.0 months of supply in the surrounding market and 83 days on market for this home, against a 83-day area median.Days on market:this home 83Area median: 83 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. As of July 15, 2026.
🟡 Asking $244 per square foot, about 49% above the community’s $164 median. Bridgewalk’s 12-month median sold price per square foot is $164. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
28% of homes in Bridgewalk are owner-occupied. An estimated 72% are non-owner-occupied, including 13% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 109 homes matched. Community-level context.
What’s unique here: one of only 8 active listings in Bridgewalk, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by 920 REAL INC. · MLS # O6423425
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More on BRIDGEWALK PH 1A
Go deeper on BRIDGEWALK PH 1A
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Osceola County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Buyer research checklist
Items worth confirming for 3020 Ella Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $165/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Osceola County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 2,644 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $9,075/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,400 more per year than the current owner’s estimated bill (+36%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 14, 2026) |
| Comparable sales | Stellar MLS closed sales in BRIDGEWALK PH 1A, last 18 months, as of July 15, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 3020 Ella Way and when was it built?
Per the listing record, 3020 Ella Way was built in 2022 and has 2,644 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3020 Ella Way in?
3020 Ella Way is in Bridgewalk Ph 1A in St Cloud, Osceola County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3020 Ella Way have an HOA, and how much are the dues?
The listing reports HOA dues of $165 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3020 Ella Way differ from the current owner's?
The estimate on this page (about $9,075 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,400 more per year than the current owner’s estimated bill (+36%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3020 Ella Way in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.