6570 BAY SHORE DRIVE, St. Cloud, FL, 34771 | $524,900

Waterfront living, a private pool, and a half-acre lifestyle — welcome home to Bay Shore Drive.
This 3-bedroom, 2-bath CBS pool home sits on over half an acre with 110 feet of canal frontage leading directly to Bay Lake. Drop your kayak or tie up your boat at the private wood dock, take a dip in the sparkling freeform screened pool, and enjoy everything this established waterfront neighborhood has to offer — including a private community boat ramp and tennis courts, all with no mandatory HOA.
Step inside and you'll immediately notice the new laminate flooring flowing through the main living areas and the striking exposed wood beam ceiling detail that gives this home real character. The spacious living room features a large picture window that fills the space with natural light, and the open staircase leads to the upper level with its own covered balcony overlooking the neighborhood. The kitchen offers solid wood cabinetry, plenty of counter space, and a window with views out toward the pool and lanai — making meal prep feel a little more like Florida living. A mud room connects the kitchen directly to the covered back porch, keeping your home clean after pool days and boating adventures.
Out back is where this property truly shines. The enormous covered and painted lanai runs the full length of the home — perfect for outdoor dining, entertaining, or just relaxing in the shade. Step through to the screened pool enclosure with its freshly replaced screens and generous pool deck, and take in the wide open yard that stretches down to your seawall and dock on the canal.
Peace of mind is built in: new roof (2021), new electrical panel (2026), new water heater (2025), and new laminate flooring (2026) mean the big-ticket items are already done. The 2-car finished garage adds even more utility.
Bay Lake access. Private dock. Pool. Half acre. Optional HOA. This is the Florida waterfront lifestyle — without the waterfront price tag of newer construction.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 110 x 200
  • Laundry: In Garage
  • Year Built: 1974
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,894
  • Acreage: 0.51
  • Lot Size: 110 x 200
  • Est. Taxes: $4,845
  • Water Front: Yes
  • Pool: Diving Board, Gunite, In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Refrigerator
  • MLS#: S5148617
  • Days on Market: 10 days
  • Website: https://www.raveis.com
    /prop/S5148617/6570bayshoredrive_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/20/2026 7:47:10 AM)
Listing courtesy of EAST PARK REALTY LLC   Phone: 321-624-5780

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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6570 BAY SHORE DRIVE, St. Cloud, FL, 34771

$524,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $419,920 $419,920 $419,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.750% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.634% 6.890% 6.078%
Monthly Tax Payment $404 $404 $404
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,586 $2,724 $3,515
Total Monthly Payment $3,082 $3,220 $4,011

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.