3209 BAYFLOWER AVENUE, ST CLOUD, FL, 34773
Active125 days on marketListed Apr 12, 2026MLS #S5147457
About this home
3209 BAYFLOWER AVENUE
Welcome to this spacious 5-bedroom, 3-bath home offering nearly 2,500 square feet of heated living space in the highly desirable Harmony golf course community. Designed with both comfort and functionality in mind, this home features new paint, new carpet, and open floor plan perfect for entertaining and everyday living.The kitchen is a true centerpiece, offering abundant cabinetry, granite countertops, a walk-in pantry, and a layout ideal for hosting family and friends. If you need additional storage space just look under the stairs for the hidden nook. The main level includes a convenient downstairs bedroom and full bath—perfect for guests or anyone who prefers to avoid stairs. A versatile bonus room provides the flexibility for a home office, den, or formal living space.Upstairs, you’ll find a private owner’s suite featuring a tray ceiling and a well-appointed en-suite bath with a soaking tub, granite countertops, dual sinks, a separate water closet, and a walk-in closet. Three additional generously sized bedrooms and a full bathroom complete the second floor, providing ample space for family and guests. Step outside to enjoy the covered back porch and vinyl privacy-fenced backyard—perfect for outdoor play, pets, or relaxing evenings. Additional features include a 2-car garage, rear parking, and street parking for guests. Ideally located just minutes from Harmony Community School, this home also offers convenient golf cart access through a nearby tunnel to Harmony High School and Harmony Middle School. Residents of Harmony enjoy an exceptional lifestyle with access to Buck Lake, including community pontoon boats, kayaks, canoes, and a fishing pier. The community also features resort-style pools, a splash pad, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy leisurely golf cart rides to nearby coffee shops, restaurants, local dining, along with frequent community events or just sit on your covered front porch and relax. With easy access to Florida’s East Coast beaches, this home offers the perfect blend of comfort, convenience, and vibrant community living.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,456
Sqft
0.11 ac
Lot size
2
Garage
2014
Year built
Two
Levels
$162
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.
$3,312 /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
$3,312/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
+1.5%
$/sqft vs St Cloud actives
$162 vs $216
Days on market
125 vs 46 typical
Where $162/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 → $392K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
250 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 23% 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 3209 BAYFLOWER AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$375,000
3450 SCHOOLHOUSE ROAD · same community
5 bd · 3 ba · 2,456 sqft · $153/sqft · 5 DOM
Sold · Mar ’26$419,900
6833 GOLDFLOWER AVENUE · same community
5 bd · 3 ba · 2,456 sqft · $171/sqft · 12 DOM
Sold · Jul ’26$399,900
3426 SCHOOLHOUSE ROAD · same community
6 bd · 3 ba · 2,582 sqft · $155/sqft · 12 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3209 BAYFLOWER AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3209 BAYFLOWER AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3209 BAYFLOWER AVENUE FAQs
What would the monthly payment be for 3209 BAYFLOWER AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,312/mo — principal and interest, the actual property-tax bill, the $9/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 3209 BAYFLOWER AVENUE?+
The association fee works out to $9 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3209 BAYFLOWER AVENUE?+
The most recent tax bill on record (2025) was $7,409. 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 3209 BAYFLOWER AVENUE?+
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 $399,000, this home is listed about 6% below the St Cloud median of $425,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3209 BAYFLOWER AVENUE?+
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
Five things that matter here
01Positioned at the premium end
$399,000 runs 23% above the ST CLOUD 34773 median — but at 2,456 sqft it's also 24% larger than the typical St Cloud listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
125 days on market against a St Cloud median of 46 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $419,000, now $399,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN CONNECT LLC · Milinda Knollinger. MLS #S5147457.
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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