
6900 RANCHERO COURT, ST CLOUD, FL, 34771
Active120 days on marketListed Mar 26, 2026MLS #S5146413
About this home
6900 RANCHERO COURT
Virtually Staged. The Pinnacle of Lakefront Living......Designed to Entertain, Built to Endure, & Positioned to Inspire. Situated along the shore of spring-fed Bay Lake, this exceptional Estate is the only one with true, North lake frontage and access in Bay Lake Ranch. Being on the cul-de-sac of Ranchero, having private lake frontage, & abutting the 1076-acre Lake Lizzie Preserve, I'd say location & seclusion of this caliber can be very rare. The home reveals itself as a RETREAT.....indoor elegance that flows seamlessly into expansive outdoor living spaces. Posed for entertaining: a theater room, game room, wet bar, sprawling lanai & summer kitchen, a lagoon-style pool & spa, a fully outfitted PAVILION boasting its OWN SUMMER KITCHEN, & a private boathouse that features 2 lifts, a composite dock/deck, lighting, water, & breathtaking sunsets. Refined interior: PLANTATION SHUTTERS, CROWN MOLDING, EPOXY FLOORS, ELECTRIC FIREPLACE(S), STONE WALL. A Chef's Kitchen without compromise: quartz counters, 2 sinks, wine racks, breakfast bar, walk-in pantry, Bosch induction cooktop, Bosch convection microwave, Subzero refrigerator, 2 Fisher & Paykel drawer dishwashers, Miele steam drawer, 48-bottle wine fridge, Bosch double oven, built-in coffee maker, a potfiller, touchless faucets, 2 disposals, pull-out spice racks, pop-up power station, & much more! Downstairs showcases your Owner's Suite & a 2nd En-suite, both with direct access to the pool lanai. Fit for a King (or Queen), this Owner's Suite has a lit tray ceiling, its own electric fireplace, 2 walk-in closets, & a spa-inspired bath. Stone accents, lavish pass-through shower, multiple rainheads, stunning bay window with bench seating & waterfall glass, dual vanities, built-in storage, & private water closets/bidet. Every additional bedroom offers its own ensuite bath, walk-in showers, & thoughtful design......2 of the upstairs en-suites offer balcony access, & vaulted ceilings. Another level of infrastructure: GENERAC DIESEL GENERATOR equipped to keep the entire property functioning during an outage, updated security & surveillance, cable wired throughout, ADA water closets, new smoke detectors, CENTRAL VACUUM, irrigation system, & a 3-car garage with new epoxy flooring, a half bath, new LED lights, Smart openers, & a keypad. This meticulously maintained LAKEFRONT estate blends luxury, technology, & refinement.....destination-living that is entirely unforgettable. Please inquire on the complete Feature Sheet for this property.
Facts & features
The home at a glance
6
Bedrooms
7
Bathrooms
5,049
Sqft
3.77 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$371
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 — not generic estimates.
$11,802 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$11,802/mo
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.
$/sqft vs BAY LAKE RANCH UNIT 3
$371 vs $331
Days on market
120 vs 33 typical
Where $371/sqft sits among the 8 homes for sale in BAY LAKE RANCH UNIT 3
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
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 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
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)
6 of 8
BAY LAKE RANCH UNIT 3 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 341% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 6900 RANCHERO COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,050,000
2245 BRONCO DR. · same community
5 bd · 5.5 ba · 3,439 sqft · $305/sqft · 53 DOM
Sold · Jun ’26$685,000
1925 MUSTANG COURT · same community
5 bd · 2.5 ba · 2,413 sqft · $284/sqft · 15 DOM
Sold · Mar ’26$700,000
2260 BRONCO DRIVE · same community
3 bd · 2 ba · 2,156 sqft · $325/sqft · 107 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 6900 RANCHERO COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6900 RANCHERO COURT — 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.
Straight answers
6900 RANCHERO COURT FAQs
What would the monthly payment be for 6900 RANCHERO COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,802/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 6900 RANCHERO COURT?+
The most recent tax bill on record (2025) was $9,852. 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 6900 RANCHERO COURT?+
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 $1,875,000, this home is listed about 341% 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 6900 RANCHERO COURT?+
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
$1,875,000 runs 341% above the ST CLOUD 34771 median — but at 5,049 sqft it's also nearly 3 times 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
120 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 $2,000,000, now $1,875,000 — a $125K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY RESULTS LLC · Jennifer Davis, PA. MLS #S5146413.
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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