Bay Isle
Homes for Sale in Winter Garden, FL
All 720 homes for sale in WINTER GARDEN, FL · median $575,000 · 509 homes for sale in 34787 · Orange County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Bay Isle 48 17 in Winter Garden, FL has 1 home for sale. Homes listed or recently sold were built 2003 - 2006; 4 of 4 report an HOA (median $149/mo); 1 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 117 ft).

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 right now
🟡 Balanced market. 4.0 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 12, 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 September 15, 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.
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 Bay Isle. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Bay Isle; content deemed reliable but not guaranteed.
Who Bay Isle is best for.
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, 957 homes are on the market and 30% are under contract — a steady corner of Winter Garden.
Across Orange County, 5,909 homes are active and 1,877 pending (24% under contract).
In ZIP 34787 (WINTER GARDEN), 2,162 homes closed in the last 12 months at a median of $595K ($251/sq ft), down 0.6% year over year, with a median 36 days on market. Right now 357 active and 169 pending listings put supply at about 3.8 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, WINTER GARDEN
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.
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 2026-09-14, 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.
Bay Isle 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.
Life at Bay Isle
- Park · reported on 4 of 4 listings
- Playground · reported on 4 of 4 listings
- Deed Restrictions · reported on 2 of 4 listings
- Gated Community - No Guard · reported on 2 of 4 listings
- Gated · reported on 1 of 4 listings
- Association Recreation - Owned · reported on 1 of 4 listings
- Irrigation-Reclaimed Water · reported on 1 of 4 listings
- Gated Community · reported on 1 of 4 listings
- Gated Community - Guard · reported on 1 of 4 listings
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
- 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.
Shop the zone: Homes zoned for West Orange High High School
The Bay Isle buying strategy.
If we were buying in Bay Isle 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 Bay Isle.
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.
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.
HOA, CDD & Fees
- HOA dues reported around $150/month (about $1,800/yr) · median of 12 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $150 per month ($1,800 a year) - the median AssociationFee across 12 MLS records, normalised to a monthly figure; most are billed quarterly. 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, 2026-09.
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 Bay Isle 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 Bay Isle sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay Isle, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
BAY ISLE 48 17 Market Scorecard
BAY ISLE 48 17 is currently a balanced market. About 4.0 months of supply, a median asking price of $870,000, and homes go under contract in about 100 days.
Typical home value in the 34787 ZIP is $574,696, right around 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.
Frequently Asked Questions
Is Bay Isle a buyer's or seller's market right now?
Who is the best real estate agent for Bay Isle?
How do I find a top Winter Garden real estate agent who knows Bay Isle?
Can Momentum Realty connect me with an agent for Bay Isle?
Should you buy in Bay Isle?
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 14, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-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 →
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 Bay Isle 48 17 fits the bigger picture — live prices, inventory, and Momentum Scores:
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