3528 BAY CT, ST CLOUD, FL, 34769
Pending101 days on marketListed Apr 14, 2026MLS #R4911019
About this home
3528 BAY CT
Move-In Special: $1,495/month for the first 3 months if leased by 7/15! Rent will adjust to $1,595/month for the remainder of the lease term. Beautiful modern two bedroom one bath townhome in Pine Lake Villas located in St. Cloud close to all major shopping centers and Hospital. Tile and wood laminate floors throughout. Living room opens up to enclosed Sun Room with a storage area to allow for plenty more living space. Spacious Kitchen that overlooks the living/family room with a built in entertainment center. Enjoy the outdoors on the large outdoor front patio area or relax at the community pool. Located within minutes to the local hospital, restaurants, banks, churches, golf course, lakefront recreational areas & only a couple miles from Florida's Turnpike and within 25 minutes of Lake Nona. Dog allowed with $500 non-refundable pet fee; breed, age and weight restrictions apply. First month’s rent and Security deposit equal to one month’s rent at a minimum, may be more depending on tenant screening. $75 application fee for each person 18 years of age or older. Our application process is online and can be completed at any time- "completed" applications are processed on a first come, first serve basis- applicants are welcome to apply prior to viewing unit. Call Central Florida Real Estate Management today to schedule a showing as this property will not last long. HOA requires a copy of background screening to be submitted for approval.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
884
Sqft
0.03 ac
Lot size
1984
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$171 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$171/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
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 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3528 BAY CT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3528 BAY CT — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3528 BAY CT FAQs
What would the monthly payment be for 3528 BAY CT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $171/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3528 BAY CT?+
The listing reports pets: Breed Restrictions, 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 St Cloud?+
At $1,495, this home is listed about 100% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3528 BAY CT?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34769 market on paper
$1,495 is 99% below the ST CLOUD 34769 median of $264,950, and at $2/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
101 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $1,795, now $1,495 — a $300 cut. The full history is in the market section below.
Listing courtesy of CENTRAL FLORIDA REAL ESTATE MANAGEMENT LLC · Christie Artura. MLS #R4911019.
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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