Villa at 3712 BAY CT, ST CLOUD
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$260,000

3712 BAY CT
ST CLOUD, FL 34769
Listed by Christian Rosa · PREFERRED REAL ESTATE BROKERS
Bedrooms
2
Bathrooms
2
Living area
1,136 sqft
Year built
1984

About this home

Move-in ready and thoughtfully maintained, this 2-bedroom, 2-bath villa in Pine Lake Villas puts single-story, low-maintenance living just minutes from downtown St. Cloud. Inside, 1,136 square feet are laid out for easy living, with tile flooring throughout, a kitchen finished with a tile backsplash and stainless steel appliances, and major systems already handled for you: windows replaced in 2020, the roof in 2015, and the HVAC system in 2014. A private front patio welcomes you home, while the large screened back lanai extends the living space outdoors — ideal for morning coffee or unwinding at the end of the day. Pine Lake Villas offers the kind of quiet, established neighborhood feel that's increasingly hard to find, with easy access to US-192 and Florida's Turnpike putting Orlando's job centers, Lake Nona's Medical City, and Orlando International Airport within convenient reach. Everyday life stays simple here, with nearby supermarkets, dining, and Orlando Health St. Cloud Hospital all close by, and downtown St. Cloud's lakefront district — with its shops, restaurants, and waterfront park on East Lake Toho — just a short drive away. The area continues to see meaningful investment, from planned improvements to the Turnpike and Canoe Creek Road to a revitalized downtown lakefront district, adding long-term value to this already convenient location. Low-maintenance, updated, and centrally located — this is an opportunity to settle into St. Cloud living with the big-ticket items already done.

Property details

MLS #
MFRS5154904
Property type
Villa
Subdivision
PINE LAKE VILLAS
Status
Active
Days on market
21
On market date
August 3, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.03 acres
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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
LAKEVIEW ELEMENTARY SCHOOL
0.81 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
704
Student:teacher ratio
14.7:1
District
OSCEOLA
Middle
NEPTUNE MIDDLE SCHOOL
1.64 mi away · Grades 6-8
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
1,005
Student:teacher ratio
16.8:1
District
OSCEOLA
High
OSCEOLA TECHNICAL COLLEGE ST CLOUD CAMPUS
0.58 mi away · Grades 11-12
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
0
Student:teacher ratio
0.0:1
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).

59
Somewhat walkable
out of 100
EPA National Walkability Index
6.2 / 20 -- Below average walkable
Google Places amenity density
100 / 100
Restaurants & cafes20
Grocery stores6
Parks3
Schools7
Transit stops7
Pharmacies6

Market position

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

On the market 21 days -- 91 fewer days than ST CLOUD's current average of 112 days.
For reference, the median list price across 1,876 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.

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Est. monthly payment
$1,716/mo
$52,000 down
$208,000 loan
Principal & interest$1,349
Property tax (est.)$217
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated August 24, 2026.

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.