Bay Lake Estates Homes with X Flood Zone

Welcome to Bay Lake Estates, a picturesque subdivision nestled in the heart of St. Cloud, Florida, within the charming Osceola County. This serene community is a hidden gem, offering a perfect blend of tranquility and modern living. With its lush landscapes and friendly atmosphere, Bay Lake Estates is an ideal destination for families, retirees, and anyone seeking a peaceful retreat just minutes from the vibrant energy of nearby Orlando.

The homes in Bay Lake Estates are designed with comfort and style in mind, featuring spacious layouts, contemporary finishes, and beautiful outdoor spaces. Each residence is thoughtfully positioned to maximize privacy while embracing the natural beauty of the surrounding area. Whether you’re looking for a cozy single-family home or a more expansive property, Bay Lake Estates has something to suit every taste and lifestyle.

One significant aspect of this community is its designation within the X Flood Zone. This means that homes in Bay Lake Estates are situated in a low-risk flood area, providing peace of mind and potential savings on insurance costs for homeowners. This added layer of security allows residents to fully enjoy the scenic views and recreational opportunities that Bay Lake Estates has to offer, including access to nearby parks, lakes, and walking trails.

In addition to its natural beauty, Bay Lake Estates boasts a strong sense of community, with friendly neighbors and local events that foster connection and camaraderie. Experience the charm of Bay Lake Estates, where your dream home awaits amidst the beauty of Florida’s stunning landscape. Come explore this vibrant community and discover why so many choose to call Bay Lake Estates home!

Newest Bay Lake Estates Homes with X Flood Zone

$750,000

4 Beds ⋅ 3 Baths ⋅ Bay Lake Estates SubDv. ⋅ 34771 Zip Code ⋅ O6424620 MLS ⋅ Active Status

Under Construction. Attention Builders!!!! This 4 Bedrooms 3 Bath 2,607 sq ft home is almost completed!!! PRIME LOT with 250 FOOT LAKE FRONT!!! This is a STUNNING PROPERTY with 2.53 acres in the BEAUTIFUL Bay Lake Ranch Community. Amazing view!!! Did I mention the property can be split into multiple lots. Only minutes from Lake Nona, Orlando International Airport and Theme Parks! Close to Melbourne, Cocoa beach, and the Space Coast, Only minutes from the VA Hospital, and Celebration Hospital. Stop by and take a look for yourself!!! Now Accepting Offers. A Floating Dock can be built, No Permit Required!

6701 Old Melbourne Highway Unit A, St Cloud (Magnolia Square)

$539,000

3 Beds ⋅ 2 Baths ⋅ Bay Lake Estates SubDv. ⋅ 34771 Zip Code ⋅ S5154229 MLS ⋅ Active Status

Welcome home to your canal front property on a half acre leading to Bay Lake! This 3 bedroom, 2 bath home features an open floor plan with soaring ceilings and sliding glass doors all along the back of the house and skylights to let in lots of natural light. The backyard faces a conservation area across the canal, so no rear neighbors! Some of the upgrades include the kitchen, both bathrooms, roof replaced in 2022, HVAC system replaced 2025, hot water heater 2025, screened garage door replaced 2024 and drainfield replaced in 2021. A brand new 16' by 10' barn style shed was just installed in March of 2026. There is lots of lush, mature landscaping for privacy and lots of trees for shade. Relax on the dock in the morning and enjoy all the birds and squirrels! An oversized garage has extra storage for all your toys. An enclosed 48' by 12' lanai is great for entertaining. If you are looking for a beautiful property on the water where you are not on top of your neighbors, look no further. Bay Lake Estates has a boat ramp for the community residents use. Enjoy Florida living at its best!

6590 Bay Shore Drive, St Cloud (Magnolia Square)

$525,000

4 Beds ⋅ 3 Baths ⋅ Bay Lake Estates SubDv. ⋅ 34771 Zip Code ⋅ O6420408 MLS ⋅ Active Status

Virtually Staged. Enjoy wide, unobstructed lakefront views from this 0.52-acre property in Bay Lake Estates, where the screened pool, covered lanai, and expansive backyard create a peaceful outdoor retreat centered around the water. Mature trees frame the shoreline while leaving the lake as the backdrop, offering a scenic setting for morning coffee, poolside afternoons, outdoor dining, or simply relaxing and watching the water. With no HOA or CDD, the property provides added flexibility and freedom to enjoy the generous homesite. The single-story home offers 1,872 square feet with four bedrooms, two bathrooms, multiple living areas, and a two-car garage. A stone fireplace adds character to the family room, while the kitchen and main living spaces connect conveniently to the screened outdoor area. The primary bedroom includes an en suite bathroom and direct access to the pool, making it easy to step outside and enjoy the waterfront surroundings. Built with concrete-block-and-stucco construction, the home presents an opportunity for a new owner to update the interior to suit their preferences while taking advantage of a setting that is difficult to replicate. Well and septic service add to the property’s independent feel, while nearby access to US-192 keeps shopping, dining, and everyday conveniences within reach. For buyers seeking lakefront land, a private pool, room to spread out, and the ability to create a home around an exceptional outdoor setting, this property delivers the foundation and views to make it possible.

6720 Bay Shore Drive, St Cloud (Magnolia Square)

$439,900

3 Beds ⋅ 2 Baths ⋅ Bay Lake Estates SubDv. ⋅ 34771 Zip Code ⋅ S5148617 MLS ⋅ Active Status

Waterfront living, a private pool, and a half-acre lifestyle — welcome home to Bay Shore Drive. This 3-bedroom, 2-bath CBS pool home sits on over half an acre with 110 feet of canal frontage leading directly to Bay Lake. Drop your kayak or tie up your boat at the private wood dock, take a dip in the sparkling freeform screened pool, and enjoy everything this established waterfront neighborhood has to offer — including a private community boat ramp and tennis courts, all with no mandatory HOA. Step inside and you'll immediately notice the new laminate flooring flowing through the main living areas and the striking exposed wood beam ceiling detail that gives this home real character. The spacious living room features a large picture window that fills the space with natural light, and the open staircase leads to the upper level with its own covered balcony overlooking the neighborhood. The kitchen offers solid wood cabinetry, plenty of counter space, and a window with views out toward the pool and lanai — making meal prep feel a little more like Florida living. A mud room connects the kitchen directly to the covered back porch, keeping your home clean after pool days and boating adventures. Out back is where this property truly shines. The enormous covered and painted lanai runs the full length of the home — perfect for outdoor dining, entertaining, or just relaxing in the shade. Step through to the screened pool enclosure with its freshly replaced screens and generous pool deck, and take in the wide open yard that stretches down to your seawall and dock on the canal. Peace of mind is built in: new roof (2021), new electrical panel (2026), new water heater (2025), and new laminate flooring (2026) mean the big-ticket items are already done. The 2-car finished garage adds even more utility. Bay Lake access. Private dock. Pool. Half acre. Optional HOA. This is the Florida waterfront lifestyle — without the waterfront price tag of newer construction.

6570 Bay Shore Drive, St Cloud (Magnolia Square)

$675,000

4 Beds ⋅ 3 Baths ⋅ Bay Lake Estates SubDv. ⋅ 34771 Zip Code ⋅ O6400979 MLS ⋅ Active Status

Fantastic FOUR-bedroom THREE- bath pool home situated on a 0.732 acre lot with 112 feet of lake front on Bay Lake. This rare find single story home has over 3000 square feet. This is the absolute perfect home to raise a family and is also functional as a multigenerational home. You will enter through the gated front porch into the foyer, on the right is the formal dining room and straight ahead is the formal living room boasting a stone fireplace, and skylight. To the left of the living room is a private bedroom #2 with a walk in closet and bath access into a bathroom which connects to bedroom # 3. Once out in the hallway you can access bathroom #3 which also has a private door into bedroom #3. The 16 x 26 Family room comes equipped with built In bookshelves, a pool table with ping pong conversion top, ceiling fans, a decorative pool table light, built in bar, built in wine rack, and insulated windows to enjoy the spectacular view of the beautiful yard overlooking the lake and wooded area on the other side of Bay Lake. The large kitchen is to the right of the family room and boasts granite counters, solid wood cabinets, lazy Susan, a built-in convection oven, built in microwave, cooktop, skylight, LED lighting, new refrigerator, breakfast nook, double door food pantry and access to the formal dining room. Through the kitchen into the hallway is the laundry room featuring a laundry tub, cabinets and a great big closet for extra storage. The master suite which was recently remodeled has a barn door, vinyl plank floors and huge walk-in closet, 7 x 5 walk in shower that is wheelchair accessible, dual sinks, and new cabinets. The garage is a woodworker’s dream with shelving that has a 1000 lb. load capacity and a private air-conditioned shop room and a 10-inch insulated attic. The screen enclosed pool deck offers a great space for the family to gather and enjoy the view of Bay Lake. There is a shower and a remote-controlled retractable awning for your convenience, the pool is approximately 7.5 feet deep and holds 15,000 gallons of water. Wander out to the dock and relax while fishing or enjoying the view, the dock is equipped with a solar light and there is also a sea wall partially concrete and partially wood. Let’s not overlook the long wide driveway which along with the pool and lake make this home perfect for entertaining family and friends. The seller replaced the roof in 2024, drain field with alarm system installed 2025. Save money on your water bill with the sprinkler system drawing from the lake. This lovely neighborhood offers a private boat ramp for residence only, dead end street, walking distance to the entrance of Lake Lizzie Preserve of over 1000 acres with the following features, bird watching, equestrian trail, hiking trails, picnic table, restrooms, primitive camping and wildlife viewing. This is the best possible scenario to raise a family in this great home! Schedule your tour today!

6770 Bay Shore Drive, St Cloud (Magnolia Square)

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