Bay Isle in Winter Garden

Bay Isle
Homes for Sale in Winter Garden, FL

All 693 homes for sale in WINTER GARDEN, FL · median $585,000 · 639 homes for sale in 34787 · Orange County homes for sale

Community in Winter Garden · Orange County · ZIP 34787
90 homesBuilt 2002–2006
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Built fromLive Stellar MLS data12 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Bay Isle 48 17 in Winter Garden, FL has 1 home for sale. Homes listed or recently sold were built 2003 - 2006; 3 of 3 report an HOA (median $141/mo); 1 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 115 ft).

Bay Isle 48 17 key facts
LocationWINTER GARDEN, Orange County, FL · ZIP 34787
Homes in the community90 (FL DOR 2025 assessment roll)
Years built2002–2006 (median 2004.0)
Typical living area3,371 sq ft (median)
Amenities listed by sellersPark, Playground, Association Recreation - Owned, Deed Restrictions, Gated, Gated Community
For sale right now1 active, 0 pending · median asking $870,000 · 6.0 months of supply
Owner-occupied (homestead) share74%

Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Bay Isle 48 17 key facts,” movewithmomentum.com/neighborhoods/bay-isle-48-17-winter-garden, data as of September 20, 2026.

Live · Bay Isle Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
6.0mo
Supply
3 to 6 months is the balanced band
0%
Under contract
Orange: 23% (1,755 of 7,529)
1 · 0
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
74%
Owner-occupied · Bay Isle
67 of 90 parcels homesteaded (FL DOR 2025)
26%
Non-owner-occupied · Bay Isle
incl. 6% trust or LLC-held · 100% out-of-state
90
Homes in the community
90 residential parcels (FL DOR 2025)
Track record · 12 years of records
5
Recorded sales · 2024-2025
median $795K · qualified sales on the county roll (FL DOR 2025)
Est. 2002
Community established
homes built 2002-2006, median 2004 (FL DOR 2025)
2.2%/yr
Turnover rate
about 2 of 90 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Bay Isle is a small, single-phase community of 90 homes built in a tight window between 2002 and 2006, and that consistency shows up in the housing stock: the median home here runs 3,371 square feet, well above typical Winter Garden inventory. Pricing in a community this size is driven less by broad market trends and more by individual condition and floor plan, since so few homes turn over in any given stretch.

With only one active listing against 90 homes and a months-supply reading of 6.0, the numbers land in balanced territory, but that balance is thin - it takes very few closings to swing conditions toward sellers or buyers here. A seller with a well-maintained home has real leverage right now simply because there is so little competing inventory to shop against.

Bay Isle Housing Pulse · Momentum Research · as of September 20, 2026

Bay Isle right now

🟡 Balanced market. 6.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Low (1 active and pending listings, 2 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 5, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Bay Isle sits in Winter Garden as a gated, deed-restricted community of larger-format homes from the early-to-mid 2000s, with association-owned recreation and reclaimed-water irrigation built into the HOA structure.

Stellar MLS sales records identify 52 homes in Bay Isle that have changed hands since 2004, built between 2002 and 2006 (median 2004), with a median living area of about 3,485 sq ft and a typical 4-bedroom, 3.5-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

County records show 5 qualified sales in Bay Isle across 2024 - 2025 (3 in 2024, 2 in 2025), median $795,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

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.

Best for

  • Buyers targeting a larger living space (median around 3,371 sq ft) rather than a compact or entry-size home
  • Buyers comfortable with a longer search timeline given the single active listing
  • Buyers who want deed-restricted, gated surroundings with association-managed recreation and irrigation

Probably not for

  • Buyers who need to choose between several active listings right now
  • Buyers prioritizing newer construction outside the 2002-2006 build range
  • Buyers seeking a smaller-footprint or lower-maintenance home than this community's typical size

The market around Bay Isle

Bay Isle is too small for its own price trend, so here is the market around it.

In ZIP 34787, 932 homes are on the market and 29% are under contract — a steady corner of Winter Garden.

Across Orange County, 5,774 homes are active and 1,755 pending (23% under contract).

In ZIP 34787 (WINTER GARDEN), 2,147 homes closed in the last 12 months at a median of $598K ($252/sq ft), down 0.8% year over year, with a median 36 days on market. Right now 352 active and 181 pending listings put supply at about 3.7 months - a balanced market. See the live ZIP 34787 housing market and the Orange County market.

ZIP and county figures describe the wider market, not Bay Isle specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Bay Isle 48 17, WINTER GARDEN

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 3 listings
Distress share trend - 0.0% now (2026-08-12 → 2026-09-21)

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.

Homes For Sale Right Now in Bay Isle

Live MLS inventory for Bay Isle. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Bay Isle listings as of 2026-10-01, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.

Every Home for Sale in Bay Isle 48 17 Winter Garden Right Now (1)

All 1 active and pending Bay Isle 48 17 Winter Garden listings with a detail page, newest first, refreshed twice a day from the MLS.

Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.

Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

Schools

In short
  • Orange County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • SunRidge Elementary · Elementary
  • SunRidge Middle · Middle
  • West Orange High · High

Zoned schools reflect the assignments reported on recent Bay Isle listings and can change; always confirm with Orange County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Bay Isle address.

If we were buying in Bay Isle today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Bay Isle.

Best Buy
Buyers who want a larger-format home in an established, gated Winter Garden community and are prepared to wait for the right listing.
Biggest Risk
With only one active listing, buyers may face long waits between suitable opportunities.
Sweet Spot
Move-up buyers seeking a larger floor plan built in the early-to-mid 2000s with HOA-maintained recreation.
Avoid If
You need a fast, high-choice search - Bay Isle's thin inventory does not support quick shopping across multiple options.

A small, tightly built enclave with limited turnover

At 90 homes total, Bay Isle is not a high-volume community, and the current single active listing reflects that. The homes themselves cluster around a 2004 median build year, and the 3,371-square-foot median living area signals this was platted for larger, move-up-style floor plans rather than starter product. That size profile, combined with the narrow four-year build window, means homes here tend to share similar bones - buyers are usually comparing layout and condition rather than era.

The homestead share of 74.4% is a useful market signal: a large majority of owners have filed for homestead exemption, which typically points to longer hold periods rather than frequent investor turnover. Paired with deed restrictions and a gated structure - the listings reference both guarded and non-guarded gated access, so this should be confirmed at the HOA level - Bay Isle reads as a community built for stability rather than rapid resale.

“

The location and the amenities are priced into every listing in Bay Isle. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

A community with one active listing and infrequent closings rewards an agent who tracks it closely rather than one relying on general area data. We watch Bay Isle's actual closing activity and homestead patterns to help sellers price against real, current comparables and help buyers move quickly when the rare listing appears.

Bay Isle in 15 seconds.

Best forBuyers who want a larger-format home in an established, gated Winter Garden community and are prepared to wait for the right listing.
Biggest advantageVery limited competing inventory gives well-positioned sellers real pricing leverage.
Biggest riskWith only one active listing, buyers may face long waits between suitable opportunities.
Sweet spotMove-up buyers seeking a larger floor plan built in the early-to-mid 2000s with HOA-maintained recreation.
Avoid ifYou need a fast, high-choice search - Bay Isle's thin inventory does not support quick shopping across multiple options.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Bay Isle homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Bay Isle.
In short
  • HOA dues reported around $141/month (about $1,692/yr) · median of 73 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $141 per month ($1,692 a year) - the median AssociationFee across 73 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bay Isle sales matched to your home.

What is your Bay Isle home worth?

Get a no-obligation home value based on real comparable sales in Bay Isle, 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 all homes for sale in Winter Garden →

Real comps, not an automated estimate.

Recently off market in Bay Isle 48 17

Homes in Bay Isle 48 17 that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Orange County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,471/mo
Orange County typical true cost to own
$117/mo
Orange County typical home insurance
Check CDD
Confirm before you offer

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.

How much local inventory is already under contract

27% of homes for sale in ZIP 34787 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-02).

Frequently Asked Questions

Is Bay Isle a buyer's or seller's market right now?
As of September 20, 2026, Bay Isle is roughly balanced: 6.0 months of supply at the current sales pace (Stellar MLS live counts).
How many homes are in Bay Isle?
The Florida DOR 2025 assessment roll shows 90 homes in Bay Isle (public records).
What share of Bay Isle is owner-occupied?
74% of Bay Isle parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Bay Isle built?
Homes in Bay Isle were built between 2002 and 2006, with a median year built of 2004.0 (FL DOR 2025 roll).
Who is the best real estate agent for Bay Isle?
The best agent for Bay Isle is one who actively works Winter Garden and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Bay Isle.
How do I find a top Winter Garden real estate agent who knows Bay Isle?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Bay Isle and the wider Winter Garden area.
Can Momentum Realty connect me with an agent for Bay Isle?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Bay Isle purchase or sale - no call center and no pressure.
Where is Bay Isle, and what county is it in?
Bay Isle is in WINTER GARDEN, Orange County, FL, ZIP 34787. The community's center is about 7 miles north of the center of WINTER GARDEN (straight-line).
Buyers targeting a larger living space (median around 3,371 sq ft) rather than a compact or entry-size homeExcellent fit
Buyers comfortable with a longer search timeline given the single active listingExcellent fit
Buyers who want deed-restricted, gated surroundings with association-managed recreation and irrigationExcellent fit
Buyers who need to choose between several active listings right nowProbably not
Buyers prioritizing newer construction outside the 2002-2006 build rangeProbably not
Buyers seeking a smaller-footprint or lower-maintenance home than this community's typical sizeProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 1, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (2 streets, ZIP 34787))
Under-contract sharesStellar MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2014 (28 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 →

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CallFree valuation →
Thinking of selling in Bay Isle 48 17? 2 recorded closings (window ending 2026-09-20). See the Orange County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

Explore more neighborhoods near Bay Isle with Momentum Realty’s local guides.

Glynwood 51 320.1 mi away · 64 homes, built 2002–05, 1 for saleCountry Lakes0.2 mi away · 125 homes, built 1978–06, 1 for saleBLBlack Lake Park0.4 mi away · median $570K, 5 sales/12 mo

Browse all neighborhood guides →

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