David Ramirez
$1,290,000$1,390,0004 bd3.5 ba3,535 sqft$365 /sqft$8,338 /mo all-in ↓

6805 BASS HIGHWAY, ST CLOUD, FL, 34771

Active74 days on marketListed May 11, 2026MLS #R4911243

Reduced $100KWaterfrontSingle Family ResidenceOAKWOOD SHORES

About this home

6805 BASS HIGHWAY

Experience the best of Central Florida lakefront living on Trout Lake, part of the Alligator Chain of Lakes, with this exceptional custom-built home located at 6805 Bass Highway in St. Cloud. Offering a rare combination of luxury, privacy, and investment potential, this stunning waterfront property is perfectly suited as a primary residence, second home, or vacation rental — all with NO HOA restrictions. Ideally positioned within one hour of Walt Disney World Resort and Universal Orlando Resort, Orlando’s world-famous attractions, and Florida’s beautiful east coast beaches, and just 30 minutes from Lake Nona and the Orlando International Airport this property offers the perfect balance of peaceful lakefront living and convenient access to everything Central Florida has to offer. Built in 2014, this impressive 3,535-square-foot custom home features 4 bedrooms, 4 bathrooms, and thoughtfully designed living spaces filled with high-end upgrades and custom details throughout. From the moment you enter, you’ll appreciate the upgraded cabinetry, premium countertops, designer fixtures, upgraded flooring, and beautifully finished stained concrete surfaces that create a warm yet modern lakefront aesthetic. The spacious chef’s kitchen was designed with both functionality and entertaining in mind, featuring extensive custom cabinetry and an expansive hidden walk-in pantry that provides exceptional storage and organization. Throughout the home, you’ll find numerous built-in storage areas, window seats in most bedrooms, and carefully crafted details that add both charm and practicality. The primary suite offers a luxurious private retreat complete with a dedicated vanity/glam room and generous storage solutions. Upstairs, a versatile bonus room provides endless possibilities and can easily function as a home office, media room, playroom, or be converted into an additional bedroom. Additional flexible living spaces include a separate air-conditioned room ideal for a home gym, hobby room, or flex space, along with a dedicated air-conditioned laundry room conveniently located off the garage. The property also includes multiple outdoor storage sheds, offering even more room for tools, lake toys, and equipment. Set on 160 feet of fully cleared lakefront, the property showcases breathtaking water views, a private sand beach area, and direct access to the highly sought-after Alligator Lake Chain — a connected chain of five lakes known for boating, fishing, and watersports. The outdoor amenities are truly exceptional. A brand-new 110-foot dock features a covered metal roof, electric boat lift, lakeside sitting area, and propane fire pit, creating the ultimate waterfront gathering space. The expansive 600-square-foot fully enclosed screened outdoor kitchen overlooks the lake and offers year-round enjoyment for entertaining family and guests. An additional lakeside fire pit area further enhances the unmatched outdoor lifestyle this property provides. Major recent upgrades include a roof and exterior paint both completed just 2 years ago, adding long-term value and peace of mind. This is a rare opportunity to own a true Central Florida lakefront lifestyle property with freedom, luxury, space, and exceptional vacation rental potential!

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,535

Sqft

0.68 ac

Lot size

2

Garage

2014

Year built

Two

Levels

$365

Per sqft

WaterfrontFireplaceWater view

Inside

FlooringConcrete
AppliancesDishwasher · Range · Refrigerator
InteriorBuilt-in Features · Crown Molding · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryIn Garage · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingGarage Faces Side · Other · Workshop in Garage
ExteriorDog Run · Fire Pit · French Doors · Outdoor Grill · Outdoor Kitchen · Private Entrance · Private Mailbox · Private Yard · Rain Gutters

Community & fees

Taxes (2025)$8,804/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,338 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,961
PMI (est., until 20% equity)$484
Property tax — 2025 actual bill$734
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $129,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $129,000
Interest rate6.00%
Loan term

Estimated payment

$8,338/mo

Principal & interest$6,961
PMI (est., until 20% equity)$484
Property taxes (actual bill)$734
Est. insurance$160

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.

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.

List $1.3M
$598KedgeAI estimate $962,028 · range $623K$1.1M$1.3M

vs edgeAI estimate

+34.1%

$/sqft vs St Cloud actives

$365 vs $220

Days on market

74 vs 33 typical

Where $365/sqft sits among the 400 St Cloud actives

98
130
88
37
13
34 · this home
$156–192$192–228$228–264$264–300$300–335$335+

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

Map of 6805 BASS HIGHWAY

Drive times from this address

Universal Orlando54 min
Orlando Int’l Airport (MCO)54 min
Walt Disney World55 min
Downtown Orlando55 min

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

31,368

Median age

38.6

Median income

$101,434

Median home value

$427,500

Avg household

3.21

Households w/ children

4,183

For the school run

Osceola County School District

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

195 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 204% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,290,000 $100K
May 11, 2026Listed at $1,390,000 · 74 days on market since
2014Built · OAKWOOD SHORES

Reality check

What actually sold near 6805 BASS HIGHWAY

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6756 MIDLAND DRIVESold · Dec ’25

$405,000

6756 MIDLAND DRIVE · same community

4 bd · 2.5 ba · 2,055 sqft · $197/sqft · 92 DOM

1840 LILLIAN DRIVESold · Nov ’25

$270,000

1840 LILLIAN DRIVE · same community

5 bd · 2 ba · 1,840 sqft · $147/sqft · 150 DOM

1843 RICHARDSON DRIVESold · Aug ’25

$357,500

1843 RICHARDSON DRIVE · same community

3 bd · 2 ba · 1,445 sqft · $247/sqft · 2 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6805 BASS HIGHWAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6805 BASS HIGHWAY — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

6805 BASS HIGHWAY FAQs

What would the monthly payment be for 6805 BASS HIGHWAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,338/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 6805 BASS HIGHWAY?+

The most recent tax bill on record (2025) was $8,804. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in St Cloud?+

At $1,290,000, this home is listed about 204% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 6805 BASS HIGHWAY?+

Lakeview 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.

The brief

Four things that matter here

01Positioned at the premium end

$1,290,000 runs 204% above the ST CLOUD 34771 median — but at 3,535 sqft it's also nearly twice the size of the typical St Cloud listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

74 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,390,000, now $1,290,000 — a $100K cut. The full history is in the market section below.

Listing courtesy of CENTRAL FLORIDA REAL ESTATE MANAGEMENT LLC · Christie Artura. MLS #R4911243.

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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