Single Family Residence at 6570 BAY SHORE DR, ST CLOUD
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 2 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 3 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 4 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 5 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 6 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 7 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 8 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 9 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 10 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 11 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 12 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 13 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 14 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 15 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 16 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 17 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 18 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 19 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 20 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 21 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 22 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 23 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 24 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 25 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 26 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 27 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 28 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 29 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 30 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 31 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 32 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 33 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 34 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 35 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 36 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 37 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 38 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 39 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 40 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 41 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 42 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 43 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 44 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 45 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 46 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 47 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 48 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 49 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 50 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 51 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 52 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 53 of 54
Single Family Residence at 6570 BAY SHORE DR, ST CLOUD, photo 54 of 54
54 photos

$439,900

6570 BAY SHORE DR
ST CLOUD, FL 34771
Listed by Racquel Schroeder
Bedrooms
3
Bathrooms
2
Living area
1,894 sqft
Year built
1974

About this home

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.

Highlights

WaterfrontPrivate pool

Property details

MLS #
MFRS5148617
Property type
Single Family Residence
Subdivision
BAY LAKE ESTATES
Status
Active
Days on market
158
On market date
April 24, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
2
Parking spaces
N/A
Lot size
0.51 acres
Loading map…

Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
HARMONY COMMUNITY SCHOOL
2.3 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
910
Student:teacher ratio
17.5:1
District
OSCEOLA
Middle
HARMONY MIDDLE SCHOOL
3.45 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
944
Student:teacher ratio
19.7:1
District
OSCEOLA
High
HARMONY HIGH SCHOOL
3.16 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,594
Student:teacher ratio
24.2:1
District
OSCEOLA

Walkability

Blended score for ST CLOUD's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

16
Very car-dependent
out of 100
EPA National Walkability Index
5.2 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in ST CLOUD, from live MLS data.

On the market 158 days -- 45 more days than ST CLOUD's current average of 113 days.
For reference, the median list price across 1,870 active listings in ST CLOUD right now is $375,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

$
%
%
Adjust tax / insurance estimates
% / yr
$
/mo
Est. monthly payment
$2,799/mo
$87,980 down
$351,920 loan
Principal & interest$2,283
Property tax (est.)$367
Home insurance (est.)$150

Similar homes you might like

Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 7 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.