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Bay Lake Farms by M/I Homes

St. Cloud, FL 34773

from $409,990

💰 Est. $77,370 in total savings!

Mortgage rates starting from 4.88%

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Builder deals available

3 programs • Save up to $77,370 • 7 years estimate
  • TOP-TIER DEAL
    Conventional 30 Year Fixed
    $77,370 est. value
    • Fixed rate from 4.88% with 4.929% APR, 20% down payment, and 720 credit score
  • VA 30 Year Fixed
    $27,650 est. value
    • Rate buydown from 2.88% (1 year), 3.88% (2 year), 4.88% (3–30 year) with 5.434% APR and 640 credit score
  • FHA 30 Year Fixed
    $26,280 est. value
    • Rate buydown from 2.88% (1 year), 3.88% (2 year), 4.88% (3–30 year) with 5.624% APR, 3.5% down payment, and 640 credit score

Deals may change and are not guaranteed. Some deals apply to specific homes or plans. Not a financing offer. Eligibility varies by lender. Please verify details.

Available homes

Extra incentives may apply to these homes
Pricing and availability are subject to change.
Any
3+ beds
4+ beds
5+ beds
2+ baths
3+ baths
4+ baths

Plans

View details for Seagate
Seagate by M/I Homes - image

Seagate

$423,990+
  • 3 bd
  • 2 ba
  • 1,740 sqft
View details for Huntington
Huntington by M/I Homes - image

Huntington

$439,990+
  • 3 bd
  • 2 ba
  • 1,758 sqft
View details for Piedmont
Piedmont by M/I Homes - image

Piedmont

$453,990+
  • 4 bd
  • 3 ba
  • 2,195 sqft
View details for Capistrano II
Capistrano II by M/I Homes - image

Capistrano II

$454,990+
  • 3 bd
  • 2 ba
  • 2,092 sqft
View details for Santa Barbara II
Santa Barbara II by M/I Homes - image

Santa Barbara II

$485,990+
  • 3 bd
  • 2.5 ba
  • 2,489 sqft
View details for Lancaster
Lancaster by M/I Homes - image

Lancaster

$534,990+
  • 5 bd
  • 3 ba
  • 3,120 sqft
View details for Sonoma
Sonoma by M/I Homes - image

Sonoma

$560,990+
  • 5 bd
  • 3 ba
  • 3,556 sqft

Community highlights

Welcome to Bay Lake Farms, a single-family home community by M/I Homes located in St. Cloud, FL 34773. At the moment, the community has a status of Selling. Offering 8 units, including 1 ready-to-move option. Bay Lake Farms homes size vary between 1,740 and 3,556 square feet on various lot sizes. Costs range from $409,990 up to $560,990.

Close to Shingle Creek Regional Park
Map tag
Great location

Nature preserve in Kissimmee with boardwalks, paddling trails, and historic sites near family-friendly neighborhoods.

18.4 miles away
Park Nearby
Walking, Jogging, Hike Or Bike Trails
Community Pool
Playground
Lake Access
Amenity Center
Open Greenspace
Community Pond
Cabana
Energy Efficient
Golf Club

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Estimated value based on Jome data, T&C apply

Community details

Community details

Builder(s):
M/I Homes
Home type:
Single-Family
Selling status:
Selling
School district:
Osceola County School District

Community amenities

The array of amenities within the community offers a glimpse into the shared environment at Bay Lake Farms by M/I Homes. Data for this single-family project indicates 12 specific features, varying in function and design. Energy Efficient is included in this count, serving as an example of the on-site or nearby infrastructure. Together, these elements contribute to the functional landscape of the area, providing residents with designated spaces for activity or convenience.
  • Energy Efficient
  • Playground
  • Lake Access
  • Community Pool
  • Park Nearby
  • Amenity Center
  • Community Pond
  • Golf Club
  • Cabana
  • Open Greenspace
  • Walking, Jogging, Hike Or Bike Trails
  • Fountains

About the builder - M/I Homes

M/I Homes
With a legacy of building homes for nearly five decades, M/I Homes was founded on the principle of "treating the customer right." This commitment guides the company in constructing a diverse range of new construction homes, from single-family residences to townhomes. The builder's reputation is built on delivering a quality home and ensuring customer satisfaction throughout the building process.

Neighborhood

Community address

St. Cloud, FL 34773
County:
Osceola
Zip Code:
34773
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Schools in Osceola County School District

Set in the vibrant St. Cloud, Florida area, Bay Lake Farms by M/I Homes is part of the Osceola County School District. Students here are zoned to Hickory Tree Elementary School, serving Elementary grades and located 5.7 mi from the neighborhood with a rating of 6. Harmony Middle School educates Middle grades and sits roughly 3.0 mi away. Older students attend Harmony High School, a public school supporting High grades within about 2.7 mi.
GreatSchools.org logo

GreatSchools’ Summary Rating calculation is based on 4 of the school’s themed ratings, including test scores, student/academic progress, college readiness, and equity. This information should only be used as a reference. Jome is not affiliated with GreatSchools and does not endorse or guarantee this information. Please reach out to schools directly to verify all information and enrollment eligibility. Data provided by GreatSchools.org © 2025

Places of interest

The area features a distribution of Park locations that contribute to the regional dynamic. One notable example among the various listed places is Shingle Creek Regional Park, positioned about 18.4 mi away. These venues complement other types of destinations, ranging from recreational spots to commercial hubs, creating a balanced setting. This variety underscores the range of surrounding points of interest found throughout the vicinity.

Getting around

Assessing transportation access near Bay Lake Farms by M/I Homes involves looking at multiple connectivity ratings. The Walk Score of 0 (Car-Dependent) offers a baseline for understanding how walkable the immediate vicinity is. Biking potential is captured by a Bike Score of 25 (Somewhat Bikeable), helping residents gauge whether cycling is a viable commute option. These scores are valuable tools for anticipating travel needs.
Walk score ®
0 /100
Car-Dependent
Bike score ®
25 /100
Somewhat Bikeable

Air quality

Natural hazards risk

Environmental data plays a significant role in defining the setting of Bay Lake Farms by M/I Homes. To provide transparency, local conditions are measured against standardized scales, offering a level of detail that helps in understanding the physical characteristics of the location. This objective approach ensures that all environmental factors are treated with the same analytical rigor. The index for Hurricane is currently recorded at 96.41, corresponding to a rating of Relatively High. This data point serves as one component of a comprehensive county-level environmental assessment, helping to paint a complete picture of the region's environmental identity.
Riverine flooding93.2
Relatively Moderate
Wildfire97.8
Relatively High
Hurricane96.4
Relatively High
Earthquake61.5
Very Low
Heat wave0.0
No Rating
Strong wind98.3
Relatively High

Provided by FEMA

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Financials

Estimated monthly payment

Bay Lake Farms by M/I Homes

Discover Bay Lake Farms, a beautifully designed community of new-construction homes nestled in the heart of St. Cloud, Florida. Perfectly positioned for easy access to Orlando’s world-class entertainment, this serene enclave offers a peaceful retreat without sacrificing proximity to the excitement.

Step into modern living with thoughtfully crafted homes featuring spacious layouts and upscale amenities tailored to fit every lifestyle. Best of all, enjoy the benefits of a new-build community with no CDD fees, making your dream home even more attainable.

A Peaceful Retreat with Heartfelt Charm

Bay Lake Farms offers a refreshing alternative to the hustle and bustle of the city. Tucked just south of the scenic Bay Lake, this thoughtfully designed infill neighborhood provides a quiet escape while honoring the area's rich agricultural roots.

Unlike the expansive, master-planned developments nearby, Bay Lake Farms embraces a more intimate scale — fostering a warm, close-knit environment where neighbors become friends and the community truly feels like home.

As a resident of this HOA-governed enclave, you’ll enjoy exclusive access to a suite of private amenities designed for relaxation and connection:

  • Unwind in the sparkling community pool or shaded cabana.

  • Stroll through the open play field and scenic linear park.

  • Take in the beauty of three serene wet ponds, including a welcoming fountain at the entrance.

Bay Lake Farms blends natural beauty, thoughtful design, and a sense of belonging, creating a lifestyle that’s both peaceful and enriching.

Check out Bay Lake Farms' community information to gain access to additional amenity, HOA, school, and public utility information. Discover the superior included features in each of our homes in this community.

About These New Construction Homes in St. Cloud, FL

If you're searching for the perfect Florida home, Bay Lake Farms delivers everything you need and more!

Homesites

This thoughtfully planned community features 206 spacious homesites, most measuring 50 feet wide by 120 feet deep. With a generous 25-foot front setback, you'll enjoy longer driveways for easier parking and enhanced curb appeal. Over half of the homesites offer private backyards with no rear neighbors, giving you the ideal setting for outdoor living, entertaining, or simply relaxing in peace.

Floorplans

Bay Lake Farms showcases a curated collection of seven award-winning single-family floorplans, including both one- and two-story designs. Whether you're a growing family, a first-time buyer, or looking to downsize, you'll find a layout that fits your lifestyle perfectly.

Energy Efficiency

At Bay Lake Farms, every home is thoughtfully constructed with modern building practices that prioritize energy efficiency, durability, and long-term savings. From advanced insulation and high-performance windows to smart design features that help regulate indoor climate, these homes are built to keep you comfortable year-round — while helping reduce utility costs.

Enjoy the benefits of a well-built home that’s designed to be both environmentally conscious and cost-effective, giving you more value without compromising on style or performance.

An Ideal Location — Life at Bay Lake Farms

Bay Lake Farms offers the perfect blend of peaceful living and everyday convenience. With major roadways like Narcoossee Road, Highway 192, Highway 417, and the Florida Turnpike just minutes away, commuting to Orlando’s top employment hubs is quick and hassle-free.

St. Cloud offers a delightful mix of outdoor adventure, family-friendly attractions, and local charm. Spend a relaxing day at East Lake Tohopekaliga, where you can fish, kayak, or enjoy a scenic picnic by the water. Nature enthusiasts will love exploring the trails at Lake Runnymede Conservation Area, a peaceful spot for birdwatching and wildlife encounters.

For a touch of excitement, hop on an airboat tour with Spirit of the Swamp or Wild Willy’s, and glide through Florida’s iconic wetlands. History buffs can explore local heritage at the St. Cloud Heritage Museum. Whether you're seeking adventure or a quiet afternoon, St. Cloud has something for everyone.

While school assignments are subject to change, we’re pleased to share the current public school zoning for Bay Lake Farms. Located within the Osceola County School District, students are currently zoned to attend:

  • Harmony Community School (K–8) — Rated “A”

  • Harmony High School — Rated “B”

This location offers not only convenience and charm, but also access to quality education and family-friendly amenities, making Bay Lake Farms a truly exceptional place to call home.

Find Your Perfect Place at Bay Lake Farms

Experience the ideal blend of peaceful living and vibrant community at Bay Lake Farms. With its convenient location, welcoming atmosphere, and thoughtfully designed private amenities, this is more than just a neighborhood—it’s truly a place to call home.

Ready to take the next step? Connect with our Internet Sales Team today and begin your journey toward owning a beautiful new home in Bay Lake Farms!

Last checked Jan 8, 8:04 am

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