Ay Bonito
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Homes listed or recently sold were built 2023 - 2023; none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 77 ft). As of September 2026, the MLS records 5 closed sales in Ay Bonito in St Cloud, FL since 2023, the most recent in August 2026. Across St Cloud as a whole, 2,190 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 597 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,320 ($5,720 with the full homestead exemption).

Ay Bonito is a small pocket of very recent construction in St Cloud - every home on record was built in 2023 or 2024, and the median living area runs a generous 2,528 square feet. With just four homes total and a single active listing as of this snapshot, there is no meaningful closings history to lean on, so pricing here is set by the condition and features of whatever happens to be on the market at the moment, not by a track record of comparable sales.
For a seller, that thin inventory can work in your favor if you are the only listing buyers can look at. For a buyer, it means doing your own homework on construction quality and lot specifics rather than assuming a pattern - there simply isn't enough sales volume yet to establish one.
Nearby homes for sale
No active listings inside Ay Bonito right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
A newly built enclave in St Cloud with a handful of homes, all constructed in 2023 or 2024, where the current market snapshot reflects a single active listing rather than an established sales pattern.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Ay Bonito. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Ay Bonito; content deemed reliable but not guaranteed.
Who Ay Bonito is best for.
Best for
- Buyers focused on new construction who want a larger floor plan and are comfortable evaluating a single available home on its own merits.
- Buyers planning a long-term hold who aren't relying on a deep resale history to validate their purchase.
- Buyers who don't need built-in community amenities and are fine with a standalone home experience.
Probably not for
- Buyers who want multiple listings to compare before making a decision.
- Buyers relying on amenities like a clubhouse or pool as part of the purchase decision.
- Investors looking for a track record of closed sales to model expected returns.
The market around Ay Bonito
Ay Bonito is too small for its own price trend, so here is the market around it.
In ZIP 34769, 189 homes are on the market and 21% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
In ZIP 34769 (ST CLOUD), 636 homes closed in the last 12 months at a median of $412K ($196/sq ft), down 1.1% year over year, with a median 58 days on market. Right now 143 active and 49 pending listings put supply at about 4.0 months - a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Ay Bonito specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Ay Bonito, ST CLOUD
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Ay Bonito on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
The Ay Bonito buying strategy.
If we were buying in Ay Bonito today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Ay Bonito.
A market of one listing
With only four homes making up the community and no closings recorded in this window, Ay Bonito doesn't yet have the sales depth to support typical trend analysis - no price-per-square-foot trend, no days-on-market pattern, no absorption rate worth quoting. What we do know is structural: this is uniformly new construction, built in 2023 or 2024, with a median living area above 2,500 square feet, which points to larger floor plans rather than starter-sized product.
Most of the homes here are owner-occupied under homestead status, which tends to correlate with longer hold periods and less turnover - consistent with the sparse listing activity. No community amenities have been identified from current MLS data, so anything beyond the home itself - pools, clubhouses, common areas - should be confirmed directly rather than assumed.
The location and the amenities are priced into every listing in Ay Bonito. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small, the listing itself is the market - there's no broad comparable set to fall back on, so the read on value has to come from a close look at the specific home, its build year, and its lot, not a spreadsheet of recent sales. We do that legwork directly rather than leaning on averages that don't exist yet.
Ay Bonito in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Ay Bonito buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Ay Bonito sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Ay Bonito, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Ay Bonito home worth?
Get a no-obligation home value based on real comparable sales in Ay Bonito, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Ay Bonito on the map →
Should you buy in Ay Bonito?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2023 (5 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Ay Bonito fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Ay Bonito
Where is Ay Bonito?
Ay Bonito is a community in ST CLOUD, Osceola County, Florida, ZIP 34769.
Are there homes for sale in Ay Bonito right now?
No active listings inside Ay Bonito at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Ay Bonito have an HOA or CDD?
No HOA is on record for Ay Bonito in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Ay Bonito with Momentum Realty’s local guides.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
AY BONITO Market Scorecard
AY BONITO is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 34769 ZIP is $318,664, about 8.6% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.











