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 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.
The 60-Second Overview
Bay Tree Cove St Cloud market snapshot (as of July 15, 2026): the median sale price is about $625K ($251 per sq ft over the trailing 12 months of closed sales), and a median 6 days on market for closed sales.
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).
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.
The setting & the homes.
Aerial and on-site photos of Bay Tree Cove St Cloud. Swipe to explore the community.
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Bay Tree Cove St CloudWho Bay Tree Cove St Cloud 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
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 15 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 market. About 4.0 months of supply, a median asking price of $448,000, and homes go under contract in about 53 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.
Housing distress & ownership in Bay Tree Cove 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 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 2026-08-23, 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.
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 St Cloud. 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 St Cloud in 15 seconds.
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.
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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?
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?
Should you buy in Bay Tree Cove St Cloud?
An honest fit check. We will tell you when it is not your community.
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 16, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending July 15, 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?
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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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