3205 BAYFLOWER AVE, ST CLOUD, FL, 34773
Active23 days on marketListed Aug 31, 2026MLS #S5156511
About this home
3205 BAYFLOWER AVE
Virtually Staged. $10,000 credit to Buyers with acceptable contract!! Welcome home to this charming residence featuring a lovely rocking chair front porch, perfect for enjoying your morning coffee or relaxing with friends. This 3 bedroom, 2 bathroom home offers an open floor plan designed for comfortable living and entertaining. The kitchen features 42 inch wood cabinets, stainless steel appliances, recessed lighting, a convenient closet pantry, and a breakfast bar overlooking the dinette. The spacious owner’s suite offers a two-sink vanity, large walk-in closet, and walk-in shower. The second bathroom features a tub/shower combination. Step outside to the rear porch, an inviting spot to relax and enjoy the outdoors. A 2-car garage with alley access provides added convenience. Ideally located near Harmony Community School, this home offers golf-cart-friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort-style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida’s East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don’t miss your opportunity to own this move in ready home. Schedule your private showing today! Buyer to verify all room measurements.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,617
Sqft
0.11 ac
Lot size
2
Garage
2014
Year built
One
Levels
$201
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.
$2,706 /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
$2,706/mo
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.
vs edgeAI estimate
−1.6%
$/sqft vs St Cloud actives
$201 vs $217
Days on market
23 vs 47 typical
Where $201/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 Harmony
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
Harmony — neighborhood snapshot
Population
3,988
Median age
37
Median income
$78,260
Median home value
$354,100
Avg household
3
Households w/ children
524
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
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
249 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 20% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3205 BAYFLOWER AVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$349,900
6805 SUNDROP STREET · same community
3 bd · 2 ba · 1,617 sqft · $216/sqft · 25 DOM
Sold · Feb ’26$397,500
3211 DARK SKY DRIVE · same community
3 bd · 2 ba · 2,070 sqft · $192/sqft · 30 DOM
Sold · Aug ’26$450,000
3203 DARK SKY DRIVE · same community
4 bd · 2 ba · 2,174 sqft · $207/sqft · 15 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 3205 BAYFLOWER AVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3205 BAYFLOWER AVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3205 BAYFLOWER AVE FAQs
What would the monthly payment be for 3205 BAYFLOWER AVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,706/mo — principal and interest, the actual property-tax bill, the $8/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 3205 BAYFLOWER AVE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3205 BAYFLOWER AVE?+
The most recent tax bill on record (2025) was $5,773. 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 3205 BAYFLOWER AVE?+
The listing reports pets: Yes. 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 $325,000, this home is listed about 24% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3205 BAYFLOWER AVE?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee 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
01Positioned at the premium end
$325,000 runs 20% above the ST CLOUD 34773 median.
02Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $335,000, now $325,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN CONNECT LLC · Jeanine Corcoran. MLS #S5156511.
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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