3020 ELLA WAY, ST CLOUD, FL, 34771
Active13 days on marketListed Jul 10, 2026MLS #O6423425
About this home
3020 ELLA WAY
Welcome to one of the most exceptional homes in Bridgewalk, situated on the community's largest waterfront homesite, offering breathtaking sunset views from nearly every rear-facing room. Built in 2022, this beautifully designed residence features 4 bedrooms, 3 full bathrooms, over 2,600 square feet of thoughtfully planned living space, and an oversized 3-car garage. The open-concept floor plan is filled with natural light and showcases spacious living areas, generously sized bedrooms, and an office/great room, providing flexibility for today's lifestyle. Elegant tile flooring extends throughout the entire home, creating a seamless and low-maintenance living environment. The well-appointed kitchen opens to the dining and great room, making it ideal for both everyday living and entertaining. Step outside to enjoy the covered lanai overlooking the tranquil water, where you'll experience spectacular sunset views and peaceful outdoor living. The covered front porch adds to the home's inviting curb appeal, complemented by easily maintained landscaping and exceptional lot placement. Additional features include a whole-home water filtration system and a solar panel lease that will transfer to the buyer at closing, offering enhanced efficiency and long-term value. Bridgewalk residents enjoy an impressive collection of resort-style amenities, including a community pool, fitness center, playground, parks, racquetball courts, scenic walking and biking trails, and a community boat launch with water access. Ideally located in the highly desirable Sunbridge area just minutes from Lake Nona, this home offers convenient access to Medical City, Orlando International Airport, major highways, shopping, dining, and the area's continued growth and development. Combining an outstanding homesite, modern construction, exceptional amenities, and an unbeatable location, this is a rare opportunity to own one of Bridgewalk's premier waterfront properties.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,644
Sqft
0.24 ac
Lot size
3
Garage
2022
Year built
One
Levels
$246
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.
$4,895 /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
$4,895/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.
vs edgeAI estimate
+16.2%
Days on market
13 vs 33 typical
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3020 ELLA WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3020 ELLA WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3020 ELLA WAY FAQs
What would the monthly payment be for 3020 ELLA WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,895/mo — principal and interest, the actual property-tax bill, the $165/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 3020 ELLA WAY?+
The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3020 ELLA WAY?+
The most recent tax bill on record (2025) was $9,831. 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 3020 ELLA WAY?+
The listing reports pets: Breed Restrictions. 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 $650,000, this home is listed about 53% 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 3020 ELLA WAY?+
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.
Listing courtesy of 920 REAL INC. · Toya Baruso. MLS #O6423425.
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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