Steeve Cadeau
$695,000$715,0004 bd3 ba3,062 sqft$227 /sqft$4,496 /mo all-in ↓

6770 BAY SHORE DRIVE, ST CLOUD, FL, 34771

Active92 days on marketListed Apr 24, 2026MLS #O6400979

Reduced $20KWaterfrontPrivate poolSingle Family ResidenceBAY LAKE ESTATES

About this home

6770 BAY SHORE DRIVE

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 Jack and Jill bath 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!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,062

Sqft

0.73 ac

Lot size

2

Garage

1981

Year built

One

Levels

$227

Per sqft

Private poolWaterfrontFireplaceGarden & Pool & Trees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Skylight(s) · Solid Surface Counters · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stone · Stucco
FoundationSlab
ViewGarden · Pool · Trees/Woods · Water
FacesNorthwest
ParkingDriveway · Garage Door Opener · Workshop in Garage
ExteriorIrrigation System · Outdoor Shower · Rain Gutters

Community & fees

Taxes (2025)$3,898/yr
PetsYes
CommunityCommunity Boat Ramp · Lake · Private Boat Ramp · Water Access · Park

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,496 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,750
PMI (est., until 20% equity)$261
Property tax — 2025 actual bill$325
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $69,500
Interest rate6.00%
Loan term

Estimated payment

$4,496/mo

Principal & interest$3,750
PMI (est., until 20% equity)$261
Property taxes (actual bill)$325
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs St Cloud actives

$227 vs $220

Days on market

92 vs 33 typical

Where $227/sqft sits among the 400 St Cloud actives

98
129 · this home
88
37
13
35
$156–192$192–228$228–264$264–300$300–335$335+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside St Cloud

Map of 6770 BAY SHORE DRIVE

Drive times from this address

Universal Orlando42 min
Walt Disney World43 min
Orlando Int’l Airport (MCO)43 min
Downtown Orlando43 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Cloud. See the full St Cloud guide →

ST CLOUD 34771 — neighborhood snapshot

Population

31,368

Median age

38.6

Median income

$101,434

Median home value

$427,500

Avg household

3.21

Households w/ children

4,183

For the school run

Osceola County School District

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

195 of 400

St Cloud actives have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 64% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $695,000 $20K
Apr 24, 2026Listed at $715,000 · 92 days on market since
1981Built · BAY LAKE ESTATES

Reality check

What actually sold near 6770 BAY SHORE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6790 BAY SHORE DRIVESold · Nov ’25

$700,000

6790 BAY SHORE DRIVE · same community

5 bd · 3.5 ba · 3,012 sqft · $232/sqft · 114 DOM

6710 BAY SHORE DRIVESold · Oct ’25

$517,500

6710 BAY SHORE DRIVE · same community

3 bd · 2 ba · 1,841 sqft · $281/sqft · 0 DOM

2879 ELIO HAMMOCK DRIVESold · Dec ’25

$504,990

2879 ELIO HAMMOCK DRIVE

4 bd · 3.5 ba · 2,787 sqft · $181/sqft · 138 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 6770 BAY SHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6770 BAY SHORE DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

6770 BAY SHORE DRIVE FAQs

What would the monthly payment be for 6770 BAY SHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,496/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 6770 BAY SHORE DRIVE?+

The most recent tax bill on record (2025) was $3,898. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 6770 BAY SHORE DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Cloud?+

At $695,000, this home is listed about 64% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 6770 BAY SHORE DRIVE?+

Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$695,000 runs 64% above the ST CLOUD 34771 median — but at 3,062 sqft it's also 55% larger than the typical St Cloud listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

92 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $715,000, now $695,000 — a $20K cut. The full history is in the market section below.

Listing courtesy of FLORIDA REALTY RESULTS LLC · Marie A Collins PA. MLS #O6400979.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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