309 BAY STREET, APOPKA, FL, 32712
Active2 days on marketListed Aug 13, 2026MLS #O6433368
About this home
309 BAY STREET
Welcome to 309 Bay St, this beautifully remodeled home in Apopka, where modern style, comfort, and thoughtful design come together. Completely updated with carefully selected contemporary finishes, this move-in-ready property offers a fresh and inviting atmosphere throughout. Step inside to discover a bright open-concept living and dining area, ideal for both everyday living and entertaining. The beautifully renovated kitchen features brand-new Samsung stainless steel appliances, new 42-inch soft-close cabinetry, elegant quartz countertops, and modern finishes. Major systems and key components of the home have been upgraded, including a 2018 roof, new 2026 A/C system, and updated A-PEX plumbing, offering added value and peace of mind. Additional improvements include new laminate flooring, new baseboards, fresh interior and exterior paint, beautifully updated bathrooms, modern lighting, and new ceiling fans. The living area is enhanced by a cozy electric fireplace and a brand-new 55-inch Smart TV, creating the perfect space to relax and unwind. A two-car garage adds extra convenience and functionality. Location is another standout feature! Enjoy quick access to SR-429, providing convenient connections to I-4, Florida’s Turnpike, Orlando’s world-famous theme parks, and Orlando International Airport (MCO). Outdoor enthusiasts will appreciate being approximately 10 minutes from Wekiwa Springs State Park. Located near the beautiful West Orange Trail, offering miles of scenic paths for biking, walking, and outdoor recreation, while schools and grocery stores are also conveniently located nearby. Whether you’re searching for a primary residence, vacation home, or investment property, this beautifully updated home is a must-see. Schedule your private showing today and experience everything this exceptional Apopka home has to offer! Some photos have been virtually staged for illustrative purposes to help buyers visualize the potential use and layout of the spaces. Virtual staging may include digitally added furniture, décor, or other enhancements. All information pertaining to the property is deemed reliable but is not guaranteed and should be independently verified by the buyer and/or buyer’s agent. Buyers using FHA & VA financing should verify eligibility and closing timeline with their lender. Buyer and Buyer’s Agent are responsible for independently verifying all information deemed important, including, but not limited to, room measurements, zoning, schools, leasing restrictions, pet restrictions (if applicable), and all county and city requirements, regulations, and ordinances.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,284
Sqft
0.14 ac
Lot size
2
Garage
1996
Year built
One
Levels
$296
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.
$2,942 /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
$2,942/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
+21.2%
$/sqft vs Apopka actives
$296 vs $216
Days on market
2 vs 38 typical
Where $296/sqft sits among the 400 Apopka 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 Magnolia Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apopka. See the full Apopka guide →
Magnolia Oaks — neighborhood snapshot
Population
315
Median age
42
Median income
$107,500
Median home value
$433,100
Avg household
3
Households w/ children
36%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Apopka market
$399K → $400K
Apopka median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
214 of 400
Apopka actives have cut their price
Median sold price, Apopka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the APOPKA 32712 median. See the full Apopka market guide →
Paper trail
This home's history
Reality check
What actually sold near 309 BAY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$283,500
309 BAY STREET · same community
3 bd · 2 ba · 1,284 sqft · $221/sqft · 60 DOM
Sold · Nov ’25$311,000
333 BAY STREET · same community
3 bd · 2 ba · 1,344 sqft · $231/sqft · 24 DOM
Sold · Feb ’26$395,000
574 ROUZER STREET · same community
4 bd · 2 ba · 1,577 sqft · $250/sqft · 85 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
Diva Mejias
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 309 BAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 309 BAY STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Diva's phone and CRM.
Straight answers
309 BAY STREET FAQs
What would the monthly payment be for 309 BAY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,942/mo — principal and interest, the actual property-tax bill, the $21/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 309 BAY STREET?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 309 BAY STREET?+
The most recent tax bill on record (2025) was $4,278. 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 309 BAY STREET?+
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 Apopka?+
At $379,900, this home is listed about 16% below the Apopka median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 309 BAY STREET?+
Apopka Middle (middle), Dream Lake Elementary (elementary), Apopka High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REALTY HUB · Diego Trujillo-Castillo. MLS #O6433368.
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.
Never miss a listing
New Apopka homes, in your inbox
Like 309 BAY STREET but not quite? A daily digest of every new listing in Apopka — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Diva to ping you on any price or status change →