
5599 BANYAN BAY ROAD, ST CLOUD, FL, 34771
Active16 days on marketListed Oct 22, 2026MLS #O6452122
Come see it
Upcoming open houses
Sat, Nov 7
10:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of Open House hours, please contact us to schedule an appointment. For appointments, call 689-202-4447.
Sun, Nov 8
12:00 PM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of Open House hours, please contact us to schedule an appointment. For appointments, call 689-202-4447.
Sat, Nov 14
10:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of Open House hours, please contact us to schedule an appointment. For appointments, call 689-202-4447.
Sun, Nov 15
12:00 PM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of Open House hours, please contact us to schedule an appointment. For appointments, call 689-202-4447.
Sat, Nov 21
10:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of Open House hours, please contact us to schedule an appointment. For appointments, call 689-202-4447.
Sun, Nov 22
12:00 PM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of Open House hours, please contact us to schedule an appointment. For appointments, call 689-202-4447.
Sat, Nov 28
10:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of Open House hours, please contact us to schedule an appointment. For appointments, call 689-202-4447.
Sun, Nov 29
12:00 PM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of Open House hours, please contact us to schedule an appointment. For appointments, call 689-202-4447.
About this home
5599 BANYAN BAY ROAD
Welcome to Bridgewalk, a new construction community offering single-family homes. Experience the charm and secluded ambiance of this boating community and relish in the ease of reaching Lake Nona's celebrated shopping, dining, and entertainment. Offering a variety of amenities including sports courts, a private boat launch, and more. Step into the Merlot Grand, a two-story new construction home offering 6 spacious bedrooms, 4 beautifully appointed bathrooms, a powder room, an enclosed flex room, loft, media room, and a 2 car-garage. The open-concept layout seamlessly connects the built-in gourmet kitchen, café, and gathering room, creating an airy atmosphere. Step outside to enjoy the relaxing covered lanai, complete with a pocket sliding glass door that creates a seamless transition between indoor and outdoor living. The heart of the home is the chef-inspired kitchen, where 42” soft-close cabinetry meets luxurious Quartz countertops and a stylish tile backsplash. Thoughtfully designed features like soft-close drawers, easy-reach corner cabinets, double roll-out trays, and a waste basket drawer make the kitchen as functional as it is beautiful. The Whirlpool stainless steel appliances—including a built-in cooktop and refrigerator—ensure you have everything you need for both everyday meals and special occasions. The kitchen flows effortlessly into the café and gathering room, then you are greeted by a formal dining room, perfect for entertaining guests and loved ones. Retreat to the luxurious owner’s suite, a serene sanctuary with a spacious walk-in closet and a spa-like en suite bathroom. Dual vanity sinks, a frameless glass enclosed shower, an enclosed toilet, and a linen closet complete the tranquil space. On the first floor, the three additional spare bedrooms – one of which is an en suite, provide ample space for family and guests. Located near the powder room, you’ll find an enclosed flex room offering endless possibilities – whether it’s a private office, hobby room, or a cozy reading nook. As you make your way to the second floor, you’ll be welcomed by a spacious loft that offers versatility and a cozy media room, perfect for movie nights or relaxation. To complete the second floor, you’ll find two bedrooms, along with a luxurious spare bathroom that adds an extra touch of elegance and comfort. Designer-curated finishes elevate every corner of this home, including pendant pre-wire and under cabinet lighting in the kitchen, Wrought Iron Basket Balusters with Oak Handrail, epoxy finish on the garage floor, matte black plumbing fixtures and hardware, crown molding in the living areas, and 8’ interior doors on the first floor. Enjoy the convenience of modern living with a smart thermostat, video doorbell, Digital IP Camera Pre-Wire, surround sound pre-wire, electric car plug in, and LED downlights. With its stunning design and thoughtful touches, the Merlot Grand home by Pulte provides the perfect blend of luxury and functionality for today’s lifestyle.
Facts & features
The home at a glance
6
Bedrooms
4.5
Bathrooms
4,385
Sqft
0.17 ac
Lot size
2026
Year built
Two
Levels
$194
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$6,332 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,332/mo
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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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.
vs edgeAI estimate
−16.3%
$/sqft vs St Cloud actives
$194 vs $211
Days on market
16 vs 53 typical
Where $194/sqft sits among the 400 St Cloud actives
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
Drive times from this address
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
35,257
Median age
39.5
Median income
$97,415
Median home value
$454,400
Avg household
3.05
Households w/ children
4,899
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
204 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 110% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5599 BANYAN BAY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$728,000
5631 FLAME VINE WAY · same community
5 bd · 4.5 ba · 3,810 sqft · $191/sqft · 40 DOM
Sold · Oct ’26$785,390
5693 SETTINGSTONE LANE · same community
5 bd · 3.5 ba · 3,567 sqft · $220/sqft · 0 DOM
Sold · Jul ’26$760,000
3128 CORAL BEAN ROAD · same community
4 bd · 3.5 ba · 2,986 sqft · $255/sqft · 89 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.
Your agent
Kyler Lang
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 5599 BANYAN BAY ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5599 BANYAN BAY ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5599 BANYAN BAY ROAD FAQs
What would the monthly payment be for 5599 BANYAN BAY ROAD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,332/mo — principal and interest, the actual property-tax bill, the $165/mo association fee 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.
How much are the HOA fees at 5599 BANYAN BAY ROAD?+
The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5599 BANYAN BAY ROAD?+
The most recent tax bill on record (2025) was $4,128. 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 5599 BANYAN BAY ROAD?+
The listing reports pets: Number Limit. 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 $849,360, this home is listed about 102% above the St Cloud median of $420,240. The market section on this page shows how the area is trending.
Which schools are assigned to 5599 BANYAN BAY ROAD?+
Narcoossee 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.
Keep looking
Similar homes nearby
Listing courtesy of PULTE REALTY OF NORTH FLORIDA LLC · Adrienne Escott. MLS #O6452122.
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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