CENTURY 21 Edge
$559,9003 bd2 ba1,905 sqft$294 /sqft≈$3,906 /mo all-in ↓

3017 BAY LAKE ROAD, ORLANDO, FL, 32808

Active58 days on marketListed Aug 13, 2026MLS #O6432813

WaterfrontSingle Family ResidenceBAY LAKE ESTATES

About this home

3017 BAY LAKE ROAD

Virtually Staged. Stunning move-in ready Lakefront property on private “Bay Lake” with breathtaking Sunset Views from the waterfront! Beautifully Renovated 3-bedroom, 2-bathroom (1 Level/no stairs) home featuring a Wood Burning Fireplace, a 2-Car Garage, Covered Carport, and an additional separate Huge Workshop with windows, rafter storage, and 220V electric for tools and projects. Seller willing to help buyer with Rate Buy Down. Enjoy your own Private Nature Park backyard on a Large 3/4-Acre Lakefront Lot, complete with pavers, relaxing natural landscaping, and Magnificent Cypress Tree Water Views. With No HOA, this is a rare opportunity to enjoy the freedom and flexibility that Lakefront Living provides. Entertain family and friends right from your own backyard with Grilling, Fishing, Boating, Jet Skiing, Wakeboarding, Kayaking, and Paddle boarding. As you enter the home, you’ll be immediately impressed by the beautifully renovated interior and color palette featuring Gorgeous New Luxury Vinyl Flooring throughout, Noche Travertine Countertops and backsplash, Stainless Steel Appliances, Designer Faucets, Ceiling Fans, and New Hardware, all perfectly blending Style, Function, and Timeless Elegance. This home offers 2 Living Areas with a Wood Burning Fireplace for mood and Entertaining, while the Large Primary Bedroom Suite offers beautiful views and a peaceful retreat with additional separate entrances available providing ground level Mother-in-Law flexibility/option. Outside, you will find the combination of Lakefront Access, Acreage, abundant driveway Parking, 2-Car Garage, Covered Carport, and an enormous Workshop providing plenty of room for your toys, vehicles, hobbies, and storage. This kind of peaceful space is exceptionally difficult to find, this close to Downtown Orlando. Located in sought-after Bay Lake Estates, this Hidden Gem sits on the very edge of highly desired College Park 32804 (only 2 homes away), College Park Schools, where newly opened restaurants, shops, and amenities are only blocks away. Enjoy dining on the water at Grills Lakeside, Foxtail Coffee, and shop at a New Publix Grocery Store just minutes from your door. The approximately $800 Million “Packing District Orlando” is Orlando’s most exciting new development only 2 Traffic Lights away and offers a New Tennis Facility, YMCA Fitness Center, Southern Box Company Food Hall featuring 11 chef-designed restaurants, and Walters Tavern for Sports, Live Music, and entertainment. There is also a Large Social Outdoor Space for families to enjoy. The location is truly Super Central—just 3 Miles to Winter Park and approximately 4 Miles to Downtown Orlando. Zoned for Desired College Park Schools, including “B”-rated elementary and high schools. This home is Move-In Ready and offers an exceptional combination of Lakefront Living, Acreage, Storage, and Central Orlando convenience. Boatable Lakefront property with this much land, parking, storage, and privacy is Rare! This is much more than a home—it’s a Lifestyle “Lakefront Lifestyle”. Don’t miss your opportunity to own this Diamond that perfectly combines a Great Central Location, Modern Luxury, Designer Touches, and Unbeatable Boatable Waterfront Views and Sunsets through the Cypress trees!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,905

Sqft

0.73 ac

Lot size

2

Garage

1954

Year built

One

Levels

$294

Per sqft

WaterfrontFireplaceWater viewNegotiable

Inside

FlooringLuxury Vinyl
AppliancesConvection Oven · Dishwasher · Disposal
InteriorCeiling Fan(s) · Primary Bedroom Main Floor · Solid Surface Counters · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingCovered · Deeded · Driveway · Garage Door Opener · Open · Oversized · Parking Pad · RV Parking
ExteriorIrrigation System · Lighting · Private Mailbox

Community & fees

Taxes (2025)$2,431/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected
WaterWell

The numbers

What it really costs

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

$3,906 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,296
FHA mortgage insurance (est.)$248
Property tax — 2025 actual bill$203
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,597Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $19,597
Interest rate6.00%
Loan term

Estimated payment

$3,906/mo

Principal & interest$3,296
FHA mortgage insurance (est.)$248
Property taxes (actual bill)$203
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

List $560K
$441KedgeAI estimate $510,847 · range $460K–$562K$584K

vs edgeAI estimate

+9.6%

$/sqft vs Orlando actives

$294 vs $237

Days on market

58 vs 66 typical

Where $294/sqft sits among the 400 Orlando actives

130
125
78 · this home
26
14
27
$138–201$201–264$264–327$327–391$391–454$454+

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 Orlando

Drive times from this address

Downtown Orlando≈ 10 min
Universal Orlando≈ 20 min
Orlando Int’l Airport (MCO)≈ 29 min
Walt Disney World≈ 33 min

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

Get to know Orlando. See the full Orlando guide →

ORLANDO 32808 — neighborhood snapshot

Population

61,123

Median age

32.2

Median income

$47,575

Median home value

$218,600

Avg household

3.05

Households w/ children

7,693

For the school run

Orange County School District

ElementaryRolling Hills Elementary★★★★★
MiddleMeadowbrook Middle★★★★★
HighMaynard Evans High★★★★★

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

The numbers that matter

The Orlando market

Seller’s marketLeans seller — 4.7 months of inventoryBuyer’s market

$400K → $395K

Orlando median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

196 of 400

Orlando actives have cut their price

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

This home is listed 124% above the ORLANDO 32808 median. See the full Orlando market guide →

Paper trail

This home's history

Aug 13, 2026Listed at $559,900 · 58 days on market since
1954Built · BAY LAKE ESTATES

Reality check

What actually sold near 3017 BAY LAKE ROAD

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

2430 HERON COURTSold · Aug ’26

$445,000

2430 HERON COURT · same community

3 bd · 2 ba · 1,902 sqft · $234/sqft · 130 DOM

2420 HERON COURTSold · Aug ’26

$589,000

2420 HERON COURT · same community

3 bd · 2 ba · 2,016 sqft · $292/sqft · 393 DOM

2440 CRANE COURTSold · Sep ’26

$418,000

2440 CRANE COURT · same community

3 bd · 2 ba · 1,635 sqft · $256/sqft · 84 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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about 3017 BAY LAKE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3017 BAY LAKE ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3017 BAY LAKE ROAD FAQs

What would the monthly payment be for 3017 BAY LAKE ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,906/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 3017 BAY LAKE ROAD?+

The most recent tax bill on record (2025) was $2,431. 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 3017 BAY LAKE ROAD?+

The listing reports pets: Cats OK, Dogs OK. 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 Orlando?+

At $559,900, this home is listed about 47% above the Orlando median of $380,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3017 BAY LAKE ROAD?+

Rolling Hills Elementary (elementary), Meadowbrook Middle (middle), Maynard Evans High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Steve Clark. MLS #O6432813.

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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