Bay Lake Farms Homes for Sale in St Cloud, FL

New single-family community · St. Cloud · Osceola County 34771

A new-construction single-family community in St. Cloud by M/I Homes in the Narcoossee and Lake Nona corridor. The read is the floor plan, the homesite, and the HOA and any CDD.

New constructionLake Nona corridorOsceola County

Live Market Pulse

78/100
Momentum

Seller's Market

Resale here turns on the specific home, the lot, and condition; confirm the HOA or any association, any CDD or district assessment, and the school assignment by address before anchoring on a number.

Free · No obligation

Unlock Off-Market Bay Lake Farms

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

$469K

Median Price

2.8mo

Supply

49days

Avg DOM

Strong

Seller Leverage

$199/sf

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"Bay Lake Farms is a new-construction single-family community in St. Cloud, Osceola County, reported built by M/I Homes in the fast-growing Narcoossee and Lake Nona corridor southeast of Orlando. The draw is brand-new homes with current code and warranties in a corridor anchored by Lake Nona's Medical City employment, with quick access to State Road 417, State Road 528, US-192, and Florida's Turnpike. Because it is new construction, the read is the floor plan, the homesite, and the carrying-cost layers rather than resale condition: confirm the HOA dues and what they include, whether a Community Development District applies to the tax bill, the builder warranty, and any lot premium. St. Cloud has been one of the faster-growing cities in the region, so the honest read is the specific home and homesite and the all-in carrying cost against the new inventory still selling nearby."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Bay Lake Farms at St Cloud market snapshot (as of June 25, 2026): the median sale price is about $469K ($199 per sq ft), with homes averaging 49 days on market and 2.8 months of supply, a seller's market. Based on 26 recent closings in live Stellar MLS data.

Bay Lake Farms is a new-construction single-family community in St. Cloud (ZIP 34771), Osceola County, reported built by M/I Homes. It sits in the Narcoossee and Lake Nona growth corridor southeast of Orlando. Treat the builder and specifications as reported and confirm against the current listings.

The location is the engine: the corridor is anchored by Lake Nona's Medical City employment and the Narcoossee Road spine, with quick access to State Road 417, State Road 528, US-192, and Florida's Turnpike linking to Orlando International Airport, downtown Orlando, and the attractions.

Because this is new construction, read the builder and the build, not a resale average. Confirm the HOA dues and exactly what they include, whether a Community Development District applies to the tax bill, the builder warranty, and any homesite premium for a pond, preserve, or interior position.

St. Cloud's appeal is newer housing at an Osceola price within reach of the Lake Nona job core. Confirm the school assignment by address with the School District of Osceola County if that matters, and weigh the all-in carrying cost against nearby new communities before you commit.

Quick Match

Who Bay Lake Farms is best for.

Best for

Buyers who want new construction near the Lake Nona job core
Buyers who value quick access to SR 417, SR 528, and the Turnpike
Move-up and relocating buyers comfortable with a newer community
Buyers who will confirm the builder, the HOA, and any CDD

Probably not for

Buyers who want an established, mature-landscape neighborhood
Buyers who want acreage or a no-HOA setting
Buyers unwilling to confirm the HOA dues and any CDD bond
Buyers who want extensive resort amenities at this price

Market Pulse

How Bay Lake Farms is performing right now

78/100
momentum

Seller's Market

Seller's marketBalancedBuyer's market

2.8Months of supplytight

62Median days on marketdays

7 : 6Under contract vs for salestrong demand

26Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

-6%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Bay Lake Farms listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Prairie Oaks or St Cloud. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now6 : 7active : pending

For sale6

Pending7

Sold 12mo26

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Bay Lake Farms at St Cloud buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Bay Lake Farms

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 · 62 daysTop listing

$624,990

5 bd · 5 ba · 3,556 sqft · built 2025

6753 Yellow Warbler Bend, ST CLOUD, 34773

Strong resaleReno opportunityBest value

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Active · 62 days

$603,885

5 bd · 4.5 ba · 3,120 sqft · built 2025

6741 Yellow Warbler Bend, ST CLOUD, 34773

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Active · 12 days

$594,990

5 bd · 5 ba · 3,783 sqft · built 2026

6693 Yellow Warbler Bend, ST CLOUD, 34773

Reno opportunityBest value

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Active · 63 days

$554,990

5 bd · 3.5 ba · 3,120 sqft · built 2025

2685 Great Heron Avenue, ST CLOUD, 34773

Strong resaleReno opportunityBest value

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Active · 62 days

$547,120

3 bd · 2.5 ba · 2,489 sqft · built 2025

6729 Yellow Warbler Bend, ST CLOUD, 34773

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Active · 34 days

$459,990

4 bd · 3 ba · 2,092 sqft · built 2026

2679 Great Heron Avenue, ST CLOUD, 34773

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Pending · 42 days

$584,990

5 bd · 3.5 ba · 3,120 sqft · built 2025

2738 Laughing Gull Lane, ST CLOUD, 34773

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Pending · 25 days

$579,990

5 bd · 3.5 ba · 3,120 sqft · built 2025

2713 Canvasback Cove, ST CLOUD, 34773

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Pending · 43 days

$539,990

4 bd · 3 ba · 2,489 sqft · built 2025

6891 Yellow Warbler Bend, ST CLOUD, 34773

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Pending · 5 days

$538,990

5 bd · 4.5 ba · 3,120 sqft · built 2025

2690 Great Heron Avenue, ST CLOUD, 34773

Strong resaleReno opportunityBest value

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Pending · 7 days

$499,990

4 bd · 4 ba · 2,621 sqft · built 2026

6813 Yellow Warbler Bend, ST CLOUD, 34773

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Pending · 35 days

$489,990

3 bd · 2 ba · 2,092 sqft · built 2026

6747 Yellow Warbler Bend, ST CLOUD, 34773

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Pending · 17 days

$439,990

4 bd · 3 ba · 2,195 sqft · built 2026

2719 Laughing Gull Lane, ST CLOUD, 34773

Listed by KELLER WILLIAMS ADVANTAGE REALTY

Active and pending Bay Lake Farms listings as of 2026-06-25, priced high to low. Listings courtesy of Stellar MLS as distributed by MLS GRID.. Tap any home to ask about it.

Interactive Map

Bay Lake Farms on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The Lake Nona corridor location is the point: Medical City jobs, the airport, and the major roads are all a reasonable drive.

Drive times from the St. Cloud and Narcoossee area. The corridor puts the Lake Nona job core, the airport, and the major roads within reach.

Lake Nona Medical City~15 to 25 min · jobs and medical

Orlando International Airport~20 to 30 min · via SR 417

Downtown St. Cloud~12 to 18 min · services and lakefront

Lake Nona Town Center~15 to 25 min · shopping and dining

Downtown Orlando~30 to 40 min · via SR 417 and the 408

Florida beaches (east coast)~60 to 75 min · via SR 528

Drive times are approximate and vary with traffic and your exact departure point. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Bay Lake Farms Homes for Sale in St Cloud, FL with Momentum Realty’s local guides.

LSThe Landing's at Live Oak Homes for Sale in St Cloud, FLSt Cloud, FL · 0.6 mi BPBridge Pointe Homes for Sale in St Cloud, FLSt Cloud, FL · 0.7 mi BRBrack Ranch Homes for Sale in St Cloud, FLSt Cloud, FL · 0.7 mi EWEstates of Westerly Homes for Sale in St Cloud, FLSt Cloud, FL · 0.9 mi POPrairie Oaks Homes for Sale in St Cloud, FLSt Cloud, FL · 1.1 mi EAEsplanade atCenter Lake Ranch Homes for Sale in St Cloud, FLSt Cloud, FL · 1.7 mi BLBay Lake Farms Homes for Sale in StSt. Cloud, FL · 1.8 mi CLCenter Lake on the Park Homes for Sale in St Cloud, FLSt Cloud, FL · 2.4 mi TGThompson Grove Homes for Sale in StSt. Cloud, FL · 2.5 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Bay Lake Farms (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Osceola County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Bay Lake Farms is served by Osceola County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

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

The takeaway

What is actually shaping value at Bay Lake Farms, sourced and dated. We do not publish rumor.

Recent Developments in Bay Lake Farms at St Cloud

Development Intelligence

Our read on what is being built around Bay Lake Farms, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe structural story is new construction in the Narcoossee and Lake Nona corridor, where the Medical City job core, the road network, the homesite, and the carrying-cost layers drive outcomes. The near-term watch item is how much new supply the corridor adds and how the HOA and any CDD land on the all-in cost, so confirm those per home before you anchor on a number.

Lake Nona Medical City anchors the corridor

BullishThe Narcoossee corridor is anchored by Lake Nona's Medical City, a major health, research, and employment hub southeast of Orlando, which supports long-run housing demand in St. Cloud's northwest. Confirm the specific commute for your work. impact

SignificanceRadius: Region

Lake Nona Medical City anchors the corridor

New construction means current code and warranties

BullishBrand-new homes reflect current Florida building code and carry a builder warranty, which can help insurance and early maintenance. Confirm the builder's warranty and the home's specifications. impact

SignificanceRadius: Community

New construction means current code and warranties

HOA and any CDD are the carrying-cost read

NeutralNew communities can carry an HOA and, in some cases, a Community Development District bond on the tax bill. Confirm the dues, what they include, and whether a CDD applies for the specific home before you offer. impact

SignificanceRadius: Community

HOA and any CDD are the carrying-cost read

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Bay Lake Farms at St Cloud, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

March 2024
Growth
Orlando metro and Osceola County remain among the fastest-growing in the nation
U.S. Census Bureau population estimates continue to rank the Orlando-Kissimmee-Sanford metropolitan area, which includes Osceola County and St. Cloud, among the faster-growing large metros in the country, with St. Cloud repeatedly cited among the state's faster-growing cities. Why it matters: Sustained growth in the Lake Nona and Narcoossee corridor supports long-run demand for new construction in St. Cloud's northwest. It is a structural positive, not a substitute for reading the builder, the homesite, and the carrying cost per home. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Bay Lake Farms buying strategy.

If we were buying in Bay Lake Farms, this is the order of operations we would run, and the one we run for our clients.

Confirm the floor plans and included features with M/I Homes before you choose a home.

Confirm the HOA dues and any CDD on the tax bill, plus exactly what the dues include.

Choose the homesite on pond, preserve, or interior position and confirm any lot premium.

Confirm your real commute to the Lake Nona job core at your real departure time.

Weigh the alternative, Prairie Oaks, on amenities, carrying cost, and location.

The Quick Decision

Best Buy

A well-built home on a pond or preserve homesite with a clear HOA and CDD picture and a workable Lake Nona commute.

Biggest Risk

Comparing only sticker prices and missing a CDD bond, or underestimating the corridor's traffic.

Best Lot

Pond and preserve homesites carry premiums and resell better than interior lots; confirm the premium.

Smart Timing

New phases release over time; confirm incentives, the closing timeline, and the carrying cost before you commit.

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Bay Lake Farms is a new-construction single-family community in St. Cloud (ZIP 34771), Osceola County, reported built by M/I Homes, in the Narcoossee and Lake Nona growth corridor southeast of Orlando. Because it is new construction, confirm the builder and floor plan, the HOA dues and inclusions, whether a Community Development District applies to the tax bill, the warranty, any homesite premium, and the school assignment by address with the School District of Osceola County, since details vary by phase and change over time.

Bay Lake Farms Homes For Sale

What your money buys in Bay Lake Farms.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Bay Lake Farms today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

Entry: smaller plan

$400K to $458K

A smaller single-family plan, the entry door into a new St. Cloud community in the Lake Nona corridor. Confirm current pricing on the live listings below.

Lowest entry

Core: mid-size family plan

$458K to $499K

A mid-size three or four bedroom plan on a standard homesite, the core of the community. Confirm current pricing on the live listings below.

Most inventory

High: largest plan, premium homesite

$499K to $588K

A larger plan on a pond or preserve homesite with upgrades, where the lot premium separates value. Confirm current pricing on the live listings below.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$469K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$400K to $458K

Entry: smaller plan

A smaller single-family plan, the entry door into a new St. Cloud community in the Lake Nona corridor. Confirm current pricing on the live listings below.

$458K to $499K

Core: mid-size family plan

A mid-size three or four bedroom plan on a standard homesite, the core of the community. Confirm current pricing on the live listings below.

$499K to $588K

High: largest plan, premium homesite

A larger plan on a pond or preserve homesite with upgrades, where the lot premium separates value. Confirm current pricing on the live listings below.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Bay Lake Farms, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Bay Lake Farms is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Bay Lake Farms holds value.

Our read on the factors that protect resale here, and the one to manage.

New-construction, current-code homesStrong

Lake Nona employment corridorStrong

Major-road network accessPositive

Confirm the HOA dues and any CDDManage it

New supply and corridor trafficManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Bay Lake Farms

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Bay Lake Farms is easy to like for new construction in the Lake Nona corridor. The deal is won or lost on the plan, the homesite, and the carrying cost, not the price alone.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.8B+ · Buy Score

Resale Strength7.8/10

Renovation Risk8.6/10

Location Efficiency8.2/10

Long-Term Defensibility7.6/10

Carrying Cost Advantage6.6/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Bay Lake Farms is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

Pond and preserve homesites hold value best
Interior lots are where buyers overpay in new construction
Confirm the lot premium before you choose a home
The homesite cannot be changed, the house can
Comp the specific home and homesite, not an average

In a new community, the homesite sets the resale floor while the house reflects the builder and the upgrades. Read the pond, preserve, or interior position and any premium first, then price the home and finish against the closest comparable resale rather than a community average.

The 15-Second Verdict

Bay Lake Farms in 15 seconds.

Best forBuyers who want new construction near the Lake Nona job core with quick access to SR 417 and the Turnpike.

Strong onA Medical City employment corridor, the major-road network, current-code construction, and builder warranties.

WatchThe HOA dues and any CDD bond, plus new supply in the corridor. Confirm the carrying cost and the warranty per home.

Not forBuyers who want a mature neighborhood, acreage, no HOA, or extensive resort amenities at this price.

The edgeA well-built home on a good homesite with a clear carrying cost, priced right, can be a durable Lake Nona-corridor value.

HOA, CDD & Fees

15-Second Take

Confirm the HOA dues and inclusions in writing
Confirm whether a CDD bond applies to the tax bill
Confirm any amenity plan and the timing
Confirm the homesite premium for pond or preserve
Confirm the builder warranty and closing timeline

We do not publish an HOA figure here because dues and any Community Development District assessment change by phase. Confirm the current HOA dues, what they include, and whether a CDD bond applies to the tax bill for the specific home before you offer.

Reported HOA-supported items in a community like this typically include common-area maintenance and any amenities once delivered. Confirm the current budget, inclusions, and any separate CDD with the builder or association.

This is a single-family community rather than a private club. Confirm any planned amenities and their timing with the builder.

Run Your Numbers

Tools for a Bay Lake Farms buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxOsceola County millage and the homestead picture.Rent vs buyThe breakeven on owning in Bay Lake Farms.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Bay Lake Farms

Price it to your plan, homesite, and finish, against real resales.

If you are selling at Bay Lake Farms, the right list price comes from recent resales matched to your plan, homesite, and upgrades, and from how your home compares to the new inventory still selling in the corridor. We build that comparison so you do not list to a community average.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Bay Lake Farms, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Prairie Oaks, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Bay Lake Farms home worth?

Get a no-obligation home value based on real comparable sales in Bay Lake Farms matched to your condition, lot, and view, 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 →
Or get your Bay Lake Farms at St Cloud home value & selling guide →

Real comps, not a Zestimate.

How much local inventory is already under contract

54% of homes for sale in Bay Lake Farms at St Cloud 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 (2026-06-25).

Bay Lake Farms Market Scorecard

Seller's market

Bay Lake Farms is currently a seller's market. About 2.8 months of supply, a median asking price of $574,990, and homes go under contract in about 62 days.

2.8

Months supply

$574,990

Median list

$469,490

Median sold

$186

Per sqft

Days on mkt

6/7/26

Active/Pend/Sold

Typical home value in the 34773 ZIP is $382,266, about 19.4% 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.

Frequently Asked Questions

Where is Bay Lake Farms?

It is a new-construction single-family community in St. Cloud, ZIP 34771, Osceola County, in the Narcoossee and Lake Nona growth corridor southeast of Orlando.

Who builds Bay Lake Farms?

Profiles describe M/I Homes as the builder. Confirm the current plans and availability on this page's listings.

Is it near Lake Nona?

It sits in the Narcoossee corridor near Lake Nona's Medical City, with quick access to SR 417, SR 528, US-192, and the Turnpike. Confirm the exact commute for your work.

Is there an HOA, and is there a CDD?

We do not publish a figure here because dues and any CDD assessment change by phase. Confirm the HOA dues, what they include, and whether a CDD bond applies for the specific home before you offer.

Are these new-construction homes?

Yes, profiles describe new construction. Confirm the builder, the floor plan, the warranty, and the closing timeline for the specific home.

What does a home here cost?

We do not publish a price figure here. Pricing tracks the plan and the homesite. Confirm current pricing on the live listings on this page; we pull exact comps before you offer.

What schools serve the community?

It is in the School District of Osceola County, with assignment by address. Zoning can change, so confirm the current zoned campuses for a specific home with the district.

Is St. Cloud a good place to buy?

St. Cloud has been one of the faster-growing cities in the region, with newer housing at an Osceola price within reach of the Lake Nona job core. Confirm the all-in carrying cost for the specific home.

What is the commute to Orlando like?

Via SR 417 and the road network, downtown Orlando and the airport are a reasonable drive; confirm your real commute at your real departure time.

Do I need my own agent for a new-construction home?

Yes. The on-site sales team works for the builder. Your own agent confirms the HOA and any CDD, reads the contract and warranty, and negotiates for you. Momentum Realty represents you, not the seller.

How current are the details on this Bay Lake Farms page?

The live listings refresh from the MLS feed, and the community details here are researched and hedged where not independently confirmed. Confirm any HOA, condo, or association fees, any assessment or CDD, and the home condition with the association or the listing before you offer.

How do I get the full picture on a specific home in Bay Lake Farms?

Tell us your budget and timeline, or an address, and we pull the live comparable sales, confirm the fees and any assessment, and give you an honest read on the home, the homesite, and the carrying cost. Momentum Realty represents you, not the seller.

The Verdict

Should you buy in Bay Lake Farms?

An honest fit check. We will tell you when it is not your community.

Buyers who want new construction near the Lake Nona job coreExcellent fit

Buyers who value quick access to SR 417, SR 528, and the TurnpikeExcellent fit

Move-up and relocating buyers comfortable with a newer communityExcellent fit

Buyers who will confirm the builder, the HOA, and any CDDExcellent fit

You will read the homesite and condition honestly before you offerExcellent fit

Buyers who want an established, mature-landscape neighborhoodProbably not

Buyers who want acreage or a no-HOA settingProbably not

Buyers unwilling to confirm the HOA dues and any CDD bondProbably not

Buyers who want extensive resort amenities at this priceProbably not

You want acreage or no-HOA privacy with no community feesProbably not

Get the inside read on Bay Lake Farms

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Bay Lake Farms home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Bay Lake Farms specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Bay Lake Farms at St Cloud — what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing; deemed reliable but not guaranteed by MLS GRID.

Bay Lake Farms Homes for Sale in St Cloud, FL

The 60-Second Overview

Who Bay Lake Farms is best for.

Best for

Probably not for

How Bay Lake Farms is performing right now

Homes For Sale Right Now in Bay Lake Farms

Bay Lake Farms on the map.

How far is everything?

Nearby Communities

Schools

Recent Developments in Bay Lake Farms at St Cloud

Lake Nona Medical City anchors the corridor

New construction means current code and warranties

HOA and any CDD are the carrying-cost read

Orlando metro and Osceola County remain among the fastest-growing in the nation

The Bay Lake Farms buying strategy.

The full read, only if you want it.

What your money buys in Bay Lake Farms.

What ~$469K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Bay Lake Farms holds value.

5 Mistakes Buyers Make in Bay Lake Farms

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Bay Lake Farms is different.

Which Lots & Views Hold Value Best

Bay Lake Farms in 15 seconds.

HOA, CDD & Fees

Tools for a Bay Lake Farms buy.

Price it to your plan, homesite, and finish, against real resales.

In Bay Lake Farms, condition and view decide your number

What is your Bay Lake Farms home worth?

Price History: What Homes Here Have Actually Sold For

Bay Lake Farms Market Scorecard

Frequently Asked Questions

Should you buy in Bay Lake Farms?

Get the inside read on Bay Lake Farms

You are all set.

Need to sell fast in Osceola County?

You just read the data. Now see what your home is worth.