CENTURY 21 Edge
$440,0003 bd2 ba2,297 sqft$192 /sqft≈$3,577 /mo all-in ↓

1970 RUNNING HORSE TRAIL, ST CLOUD, FL, 34771

Active26 days on marketListed Oct 12, 2026MLS #S5159280

Single Family ResidenceBAY LAKE RANCH UNIT 3

About this home

1970 RUNNING HORSE TRAIL

Virtually Staged. Rare no-HOA freedom on 1 FULL ACRE in Bay Lake Ranch: this updated 3-bedroom, 2-bathroom home comes with an air-conditioned bonus room, a huge carport, and room to park the boat, trailer, and RV other neighborhoods won’t allow. Set within a quiet St. Cloud community where every lot is a minimum of one acre, the property has no rear neighbors, offering the kind of privacy and elbow room that is increasingly hard to find in Central Florida. A long driveway leads to a covered front porch stretching nearly 25 feet across the home, a natural spot for morning coffee overlooking the lawn and mature shade trees. Inside, vaulted ceilings and rich wood-look flooring give the living room an open, airy feel, while fresh paint throughout creates a clean, move-in-ready canvas. The kitchen sits just off the living area and has been refreshed with a new stove and dishwasher, joined by a stainless steel refrigerator, a breakfast bar, and a bay-window breakfast nook that looks out over the yard. Toward the back of the home, a bright Florida room works beautifully as a dining space, with a brand-new sliding glass door opening onto a generous concrete patio. All three bedrooms sit together in their own wing, set apart from the main living areas for a quieter retreat at the end of the day. The primary suite offers two closets and an ensuite bathroom finished with two new separate vanities and a skylight that pulls in natural light. The two additional bedrooms each feature double closets and share a full bathroom, also updated with a new vanity. An indoor laundry room with shelving adds everyday convenience. One of the most versatile spaces here is the oversized former two-car garage, now an air-conditioned bonus room with French doors, ready to become a home gym, studio, game room, office, or hobby space. With the addition of a bathroom, it also has the potential to become an in-law suite. This space also houses the home’s water filtration system. Outside, the acre delivers room for just about everything. A massive carport of approximately 31' x 24' provides covered parking for vehicles, a boat, or a trailer, while a 14' x 9' workshop shed handles tools, equipment, and weekend projects. The partially fenced yard gives you a head start for pets or a garden, and with no HOA, you are free to park your RV, boat, and trailers right at home. Major systems offer real peace of mind: the roof was replaced in 2022 and the A/C is approximately five years old, the water heater is brand new, and the refrigerator is around five years old. A private well and septic system mean no city water or sewer bills. Bay Lake Ranch pairs a peaceful country setting with easy connections. US-192 is about 8 minutes away for shopping and dining, the St. Cloud lakefront is around 20 minutes, and Florida’s Turnpike is approximately 25 minutes. Lake Nona’s Medical City is roughly 35 minutes, Orlando International Airport about 40 minutes, Universal Orlando around 50 minutes, and both Walt Disney World and the Space Coast beaches are approximately 60 minutes away. Space, freedom, and a long list of updates make 1970 Running Horse Trail ready for whatever you have planned.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,297

Sqft

1 ac

Lot size

1990

Year built

One

Levels

$192

Per sqft

Pets allowed

Inside

FlooringCeramic Tile · Vinyl
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Thermostat
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Wood Siding
FoundationSlab
FacesEast
ParkingDriveway
ExteriorRain Gutters · Sliding Doors

Community & fees

Taxes (2025)$2,418/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected
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.

$3,577 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$3,021
FHA mortgage insurance (est.)$195
Property tax — 2025 actual bill$202
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,400Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,400
Interest rate7.50%
Loan term

Estimated payment

$3,577/mo

Principal & interest$3,021
FHA mortgage insurance (est.)$195
Property taxes (actual bill)$202
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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 $440K
$381KedgeAI estimate $441,129 · range $397K–$464K$482K

vs edgeAI estimate

−0.3%

$/sqft vs St Cloud actives

$192 vs $210

Days on market

26 vs 53 typical

Where $192/sqft sits among the 399 St Cloud actives

97
114 · this home
86
46
27
29
$156–185$185–213$213–242$242–270$270–299$299+

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

Universal Orlando≈ 49 min
Orlando Int’l Airport (MCO)≈ 49 min
Walt Disney World≈ 50 min
Downtown Orlando≈ 50 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

35,257

Median age

39.5

Median income

$97,415

Median home value

$454,400

Avg household

3.05

Households w/ children

4,899

For the school run

Osceola County School District

ElementaryNarcoossee 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 marketLeans seller — 4.1 months of inventoryBuyer’s market

$411K → $385K

St Cloud median sold, yr/yr

98.6%

Sale-to-list ratio (12 mo)

208 of 399

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 9% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

Oct 12, 2026Listed at $440,000 · 26 days on market since
1990Built · BAY LAKE RANCH UNIT 3

Reality check

What actually sold near 1970 RUNNING HORSE TRAIL

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

1925 MUSTANG COURTSold · Jun ’26

$685,000

1925 MUSTANG COURT · same community

5 bd · 2.5 ba · 2,413 sqft · $284/sqft · 15 DOM

1985 MUSTANG COURTSold · Sep ’26

$525,000

1985 MUSTANG COURT · same community

3 bd · 2 ba · 2,170 sqft · $242/sqft · 108 DOM

2260 BRONCO DRIVESold · 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.

Kyler Lang

Your agent

Kyler Lang

REALTOR · CENTURY 21 Edge

Tours, negotiation, and every question about 1970 RUNNING HORSE TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1970 RUNNING HORSE TRAIL — before you fall in love.

See it in person

Schedule a tour

Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1970 RUNNING HORSE TRAIL FAQs

What would the monthly payment be for 1970 RUNNING HORSE TRAIL?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,577/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 1970 RUNNING HORSE TRAIL?+

The most recent tax bill on record (2025) was $2,418. 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 1970 RUNNING HORSE TRAIL?+

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 $440,000, this home is listed about 5% above the St Cloud median of $420,240. The market section on this page shows how the area is trending.

Which schools are assigned to 1970 RUNNING HORSE TRAIL?+

Narcoossee 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 LA ROSA REALTY LLC · Irena Aistrop. MLS #S5159280.

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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