BAY LAKE FARMS AT ST CLOUD
Homes for Sale in ST CLOUD, FL
True comps, carrying-cost math, and listings before the portals.
BAY LAKE FARMS AT ST CLOUD right now
🔴 Seller-leaning market. 2.5 months of supply and 46% of the inventory already under contract give sellers the pressure advantage.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 August 2, 2026. Confidence: Very High (11 active and pending listings, 27 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 2, 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 LAKE FARMS AT ST CLOUD market snapshot (as of August 2, 2026): the median sale price is about $499K ($181 per sq ft over the trailing 12 months of closed sales), a median 62 days on market for closed sales, and 2.5 months of supply, a seller-leaning market.
BAY LAKE FARMS AT ST CLOUD is a community of 7 homes in ST CLOUD, Osceola County, built between 2024 and 2024 (median 2024), with a median living area of about 2,819 square feet. 3% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of BAY LAKE FARMS AT ST CLOUD. Swipe to explore the community.
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BAY LAKE FARMS AT ST CLOUDHousing distress & ownership in BAY LAKE FARMS AT ST CLOUD, 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 August 2026 through August 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in BAY LAKE FARMS AT ST CLOUD
Live MLS inventory for BAY LAKE FARMS AT ST CLOUD. 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 · 128 daysTop listing
Active · 129 days
Pending · 121 days
Pending · 42 days
Pending · 75 days
Pending · 43 days
Pending · 7 days
Pending · 120 days
Pending · 17 days
Pending · 81 daysActive and pending BAY LAKE FARMS AT ST CLOUD listings as of 2026-08-23, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. Tap any home to ask about it.
BAY LAKE FARMS AT ST CLOUD 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 LAKE FARMS AT ST CLOUD
- Pool · reported on 24 of 24 listings
- Park · reported on 24 of 24 listings
- Playground · reported on 23 of 24 listings
- Community Mailbox · reported on 23 of 24 listings
- Gated Community · reported on 9 of 24 listings
- Dog Park · reported on 3 of 24 listings
- Association Recreation - Owned · reported on 1 of 24 listings
- Clubhouse · reported on 1 of 24 listings
- Irrigation-Reclaimed Water · reported on 1 of 24 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
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Harmony Community School (K-5) · Elementary
- Harmony Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent BAY LAKE FARMS AT ST CLOUD listings and can change; always confirm with Osceola County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any BAY LAKE FARMS AT ST CLOUD address.
The BAY LAKE FARMS AT ST CLOUD buying strategy.
If we were buying in BAY LAKE FARMS AT ST CLOUD 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 LAKE FARMS AT ST CLOUD.
A closer look at the BAY LAKE FARMS AT ST CLOUD market
At a median of $181 per square foot, BAY LAKE FARMS AT ST CLOUD prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 2.5 months of supply, a seller-leaning market. Homes that do trade take a median 62 days on market, useful leverage on any listing that has lingered.
The housing stock is 7 homes built around 2024, and 3% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in BAY LAKE FARMS AT ST CLOUD. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in BAY LAKE FARMS AT ST CLOUD buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.4). Basis: Liquidity & Demand 2.5 months of supply; Owner Commitment 3% owner-occupied; Pricing Power 97.6% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- Mandatory HOA. Confirm current dues
- 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 BAY LAKE FARMS AT ST CLOUD 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 LAKE FARMS AT ST CLOUD sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in BAY LAKE FARMS AT ST CLOUD, 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 LAKE FARMS AT ST CLOUD home worth?
Get a no-obligation home value based on real comparable sales in BAY LAKE FARMS AT ST CLOUD, 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 BAY LAKE FARMS AT ST CLOUD on the map →
Bay Lake Farms Market Scorecard
Bay Lake Farms is currently a seller's market. About 2.7 months of supply, a median asking price of $574,990, and homes go under contract in about 77 days.
Go deeper: county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
What is the median home price in BAY LAKE FARMS AT ST CLOUD?
How long do homes in BAY LAKE FARMS AT ST CLOUD take to sell?
Is BAY LAKE FARMS AT ST CLOUD a buyer's or seller's market right now?
How many homes are in BAY LAKE FARMS AT ST CLOUD?
What share of BAY LAKE FARMS AT ST CLOUD is owner-occupied?
When were the homes in BAY LAKE FARMS AT ST CLOUD built?
Do cash buyers compete in BAY LAKE FARMS AT ST CLOUD?
Who is the best real estate agent for BAY LAKE FARMS AT ST CLOUD?
How do I find a top ST CLOUD real estate agent who knows BAY LAKE FARMS AT ST CLOUD?
Can Momentum Realty connect me with an agent for BAY LAKE FARMS AT ST CLOUD?
Nearby Communities
Explore more neighborhoods near BAY LAKE FARMS AT ST CLOUD with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: August 2, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (5 streets, ZIP 34771/34773)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Historical depth | Closed-sale records back to 2024 (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.
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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 your area comps.
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