Bay Tree Cove St Cloud
Homes for Sale in ST CLOUD, FL
True comps, carrying-cost math, and listings before the portals.
Bay Tree Cove St Cloud 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 July 13, 2026. Confidence: Low (1 active and pending listings, 3 closed sales in 12 months).
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Updated July 13, 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 Tree Cove St Cloud market snapshot (as of July 13, 2026): the median sale price is about $625K ($251 per sq ft over the trailing 12 months of closed sales), a median 6 days on market for closed sales, and 4.0 months of supply, a balanced market.
Bay Tree Cove St Cloud is a community of 33 homes in ST CLOUD, Osceola County, built between 1965 and 2018 (median 1988), with a median living area of about 2,186 square feet. 64% 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 Tree Cove St Cloud. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Bay Tree Cove St CloudPrice History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 13 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($625K) IS the median in the snapshot above.
Windows contain 0 to 3 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Deemed reliable but not guaranteed.
BAY TREE COVE Market Scorecard
BAY TREE COVE is currently a balanced. About 4.0 months of supply, a median asking price of $448,000, and homes go under contract in about 53 days.
Typical home value in the 34771 ZIP is $438,186, about 13.5% below 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.
Homes For Sale Right Now in Bay Tree Cove St Cloud
Live MLS inventory for Bay Tree Cove 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 and pending Bay Tree Cove St Cloud listings as of 2026-07-11, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Tap any home to ask about it.
Bay Tree Cove 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.
The Bay Tree Cove St Cloud buying strategy.
If we were buying in Bay Tree Cove 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.
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 Tree Cove St Cloud.
The location and the amenities are priced into every listing in Bay Tree Cove 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 Tree Cove 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 (7.2). Basis: Liquidity & Demand 4.0 months of supply; Owner Commitment 64% owner-occupied; Pricing Power 98.8% 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 Tree Cove 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 Tree Cove 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 Tree Cove 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 Tree Cove St Cloud home worth?
Get a no-obligation home value based on real comparable sales in Bay Tree Cove 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 Tree Cove St Cloud on the map →
Frequently Asked Questions
What is the median home price in Bay Tree Cove St Cloud?
How long do homes in Bay Tree Cove St Cloud take to sell?
Is Bay Tree Cove St Cloud a buyer's or seller's market right now?
How many homes are in Bay Tree Cove St Cloud?
What share of Bay Tree Cove St Cloud is owner-occupied?
When were the homes in Bay Tree Cove St Cloud built?
Do cash buyers compete in Bay Tree Cove St Cloud?
Who is the best real estate agent for Bay Tree Cove St Cloud?
How do I find a top ST CLOUD real estate agent who knows Bay Tree Cove St Cloud?
Can Momentum Realty connect me with an agent for Bay Tree Cove St Cloud?
Nearby Communities
Explore more neighborhoods near Bay Tree Cove St Cloud with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: July 11, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending July 13, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2012 (16 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 your area comps.
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