Bay Tree Cove
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 17 closed sales in Bay Tree Cove in St Cloud, FL since 2012, the most recent in August 2026. Across St Cloud as a whole, 2,213 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 588 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,320 ($5,720 with the full homestead exemption).
| Location | ST CLOUD, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 66 (FL DOR 2025 assessment roll) |
| Years built | 1965–2021 (median 1989.0) |
| Typical living area | 2,482 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 92% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Bay Tree Cove key facts,” movewithmomentum.com/neighborhoods/bay-tree-cove-st-cloud, data as of September 20, 2026.
Bay Tree Cove is a small, established pocket of St Cloud with only 33 homes total, and right now there is zero active inventory on the market. When a community this size shows a median dom of just over six days and only three closings in the recent window, it tells you demand is absorbing whatever comes up almost immediately rather than sitting for buyers to compare.
The median price of $625,000, working out to $250.59 per square foot, reflects a mix of homes built between 1965 and 2018, with a median year built of 1988 and median living area of 2,186 square feet. That spread in vintage means condition and updates likely explain more of the price variation than square footage alone. For a seller, this is a market where a well-prepared listing can move quickly; for a buyer, it means being ready to act the moment something appears rather than waiting for a wave of choices.
Nearby homes for sale
No active listings inside Bay Tree Cove right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Bay Tree Cove is a compact St Cloud community of 33 homes spanning a build range from 1965 to 2018, with a median living area of 2,186 square feet and a homestead share of 63.6%, pointing toward owner-occupancy as the dominant use pattern here.
Stellar MLS sales records identify 23 homes in Bay Tree Cove that have changed hands since 2011, built between 1965 and 2025 (median 1989), with a median living area of about 1,800 sq ft and a typical 3-bedroom, 2-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.
County records show 3 qualified sales in Bay Tree Cove across 2024 - 2025 (2 in 2024, 1 in 2025), median $425,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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.
Who Bay Tree Cove is best for.
Best for
- A buyer targeting this specific St Cloud location who can act quickly once a listing appears
- A buyer comfortable evaluating homes built across a wide span of years on individual merit rather than uniform age or spec
- A buyer working with a budget aligned to the mid-$600s median who does not need a large active inventory to choose from
Probably not for
- A buyer who wants to tour several active listings before making a decision
- A buyer relying on shared community amenities, since none are currently identified from MLS data
- A buyer with a long, flexible search timeline who is not concerned about a fast-moving, low-inventory pocket
The market around Bay Tree Cove
Bay Tree Cove is too small for its own price trend, so here is the market around it.
In ZIP 34771, 692 homes are on the market and 32% are under contract — a fast-moving corner of St Cloud.
Across Osceola County, 4,465 homes are active and 1,093 pending (20% under contract).
In ZIP 34771 (ST CLOUD), 2,895 homes closed in the last 12 months at a median of $436K ($211/sq ft), up 0.5% year over year, with a median 45 days on market. Right now 473 active and 208 pending listings put supply at about 3.4 months - a healthy market. See the live ZIP 34771 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Bay Tree Cove specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Bay Tree Cove, 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 September 2026 through September 2026. Deemed reliable but not guaranteed.
The Bay Tree Cove buying strategy.
If we were buying in Bay Tree Cove 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.
A tight inventory, a fast-moving market
With active listings currently at zero and only three closings in the most recent window, Bay Tree Cove is not a community where buyers get to browse. The median six-day time on market for what did sell confirms that listings here get absorbed quickly rather than lingering for negotiation on price or terms.
The homes themselves range from 1965-built to 2018-built, with the midpoint landing at 1988 - so buyers should expect real variation in systems, finishes, and layout even within this one small footprint. No community amenities are identified from current MLS data, so anyone evaluating this neighborhood should confirm directly what, if anything, is shared or maintained beyond the individual lots.
The location and the amenities are priced into every listing in Bay Tree Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small, with no active listings and a handful of closings to study, reading the market takes more than a search filter - it takes someone tracking Bay Tree Cove specifically so you are not the last to know when something lists or the first to overpay because there was nothing else to compare it to.
Bay Tree Cove in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- 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 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 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, 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 home worth?
Get a no-obligation home value based on real comparable sales in Bay Tree Cove, 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 on the map →
Recently off market in Bay Tree Cove
Homes in Bay Tree Cove that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 6445 Bay Shore Drive · off market
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Frequently Asked Questions
How many homes are in Bay Tree Cove?
What share of Bay Tree Cove is owner-occupied?
When were the homes in Bay Tree Cove built?
Who is the best real estate agent for Bay Tree Cove?
How do I find a top St Cloud real estate agent who knows Bay Tree Cove?
Can Momentum Realty connect me with an agent for Bay Tree Cove?
Where is Bay Tree Cove, and what county is it in?
Should you buy in Bay Tree Cove?
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: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (17 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.
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See how Bay Tree Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
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