Bay Isle in Winter Garden
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Built fromLive Stellar MLS data12 years of closingsUpdated twice daily

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).

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
4.0mo
Supply
3 to 6 months is the balanced band
0%
Under contract
Orange: 24% (1,877 of 7,786)
1 · 0
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 2 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 12, 2026

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.

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.

Active inventory in distress
0.0%
0 of 5 listings
Distress share trend - 0.0% now (2026-08-12 → 2026-09-12)

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.

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

In short
  • 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.

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.

BAY ISLE 48 17 Market Scorecard

Balanced

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.

4.0
Months supply
$870,000
Median list
$890,000
Median sold
$217
Per sqft
100
Days on mkt
1/0/3
Active/Pend/Sold

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?
As of September 12, 2026, Bay Isle is roughly balanced: 4.0 months of supply at the current sales pace (Stellar MLS live counts).
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.
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: September 14, 2026)
Under-contract sharesStellar MLS records, as of 2026-09-08
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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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

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Nearby Communities

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

Glynwood 51 320.1 mi away · 1 for saleCountry Lakes0.2 mi away · 1 for saleBLBlack Lake Park0.4 mi away · median $570K, 5 sales/12 mo

Browse all neighborhood guides →

Thinking of selling in Bay Isle 48 17? 2 recorded closings (window ending 2026-09-12). 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.
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