CENTURY 21 Edge
✦ Short-Term Rental Eligible
$390,0004 bd3 ba1,728 sqft$226 /sqft≈$3,659 /mo all-in ↓

4819 CUMBRIAN LAKES DRIVE, KISSIMMEE, FL, 34746

Active9 days on marketListed Oct 29, 2026MLS #S5160374

Private poolSingle Family ResidenceCUMBRIAN LAKES RESORT PH 1

About this home

4819 CUMBRIAN LAKES DRIVE

Located in the gated Cumbrian Lakes community of Kissimmee, this beautifully remodeled 4-bedroom, 3-bathroom pool home offers a distinctive combination of modern upgrades, stylish interior finishes, and a private outdoor retreat. Featuring a new roof, newer AC, and updated water heater, the home offers major improvements alongside its beautifully updated living spaces. From the attractive landscaping and paver driveway to the welcoming entryway and attached two-car garage, the home makes a lasting first impression. Inside, the extensively remodeled interior showcases elegant marble-look tile flooring, custom millwork, decorative tray ceiling accents, crown molding, and upgraded LED lighting. The fully remodeled kitchen serves as a centerpiece of the home, featuring custom white cabinetry, granite countertops, stainless steel appliances, a decorative backsplash, and an oversized island with a stone-accented base and breakfast bar seating. The adjoining dining area connects seamlessly to the living room, creating an inviting setting for everyday living and entertaining. The living room is particularly impressive, featuring a custom-designed theater and entertainment wall with stone accents, a built-in electric fireplace, recessed display niches, and a large arched window that fills the space with natural light. The extensive interior remodel included updated flooring, custom millwork, upgraded electrical outlets, LED lighting, and fresh interior and exterior paint, creating a cohesive and thoughtfully finished home. The split-bedroom layout offers privacy and flexibility, with four bedrooms and three full bathrooms arranged throughout the single-story floor plan. The primary suite features wood-look flooring, a ceiling fan, and direct access to the pool area through glass doors. Its en-suite bathroom includes a granite-topped vanity, soaking tub, and separate glass-enclosed shower. The bathrooms also feature custom millwork and granite upgrades, while an interior laundry room adds everyday convenience. Step outside to your private screened-in pool area, which underwent a complete renovation, including the swimming pool, deck, and screen enclosure. The expansive paver deck provides plenty of space for outdoor dining, lounging, and entertaining, while the screened enclosure and surrounding privacy fencing create a comfortable outdoor setting. Cumbrian Lakes offers a gated residential setting surrounded by established homes, landscaped streets, and natural scenery. Conveniently located in Kissimmee near shopping, dining, entertainment, and Central Florida's popular attractions, this property combines extensive recent renovations, major system updates, custom interior features, and a beautifully remodeled private pool area. Find out how the seller can reduce your monthly mortgage payment on an accepted offer!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

1,728

Sqft

0.15 ac

Lot size

2001

Year built

One

Levels

$226

Per sqft

Private poolPets allowed

Inside

FlooringCarpet · Tile · Vinyl
AppliancesDryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesNorth
ExteriorLighting · Rain Gutters · Sidewalk

Community & fees

HOA fee$175/mo
Taxes (2025)$5,685/yr
PetsYes
CommunityClubhouse · Gated Community - No Guard · Park · Playground · Sidewalks

Utilities & systems

UtilitiesPublic
WaterPublic

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.

$3,659 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$2,678
FHA mortgage insurance (est.)$172
Property tax — 2025 actual bill$474
HOA fee — from the listing$175
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,650Loan30-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% · $13,650
Interest rate7.50%
Loan term

Estimated payment

$3,659/mo

Principal & interest$2,678
FHA mortgage insurance (est.)$172
Property taxes (actual bill)$474
HOA / condo fee$175
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 $390K
$374KedgeAI estimate $416,815 · range $393K–$429K$446K

vs edgeAI estimate

−6.4%

$/sqft vs Kissimmee actives

$226 vs $203

Days on market

9 vs 74 typical

Where $226/sqft sits among the 400 Kissimmee actives

79
97
77
74 · this home
42
31
$146–171$171–196$196–220$220–245$245–270$270+

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.

The investor lens

Two ways this home pays

This home sits inside Cumbrian Lakes Resort, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunityCumbrian Lakes Resort
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,100/mo median

MarketKissimmee
Annual gross at median$25,200
Gross yield on this price6.5%
Homes for rent right now1,098

Live Kissimmee rental listing data — this home’s rate depends on size, condition and furnishing.

Where it sits

Inside Cumbrian Lakes Resort

Drive times from this address

Walt Disney World≈ 19 min
Universal Orlando≈ 25 min
Downtown Orlando≈ 32 min
Orlando Int’l Airport (MCO)≈ 34 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Cumbrian Lakes Resort is a short-term-rental community. See the full guide →

Cumbrian Lakes Resort — neighborhood snapshot

Population

1,557

Median age

35

Median income

$69,076

Median home value

$326,200

Avg household

3

Households w/ children

165

For the school run

Osceola County School District

ElementarySunrise Elementary School★★★★★
HighPoinciana High School★★★★★
MiddleKissimmee Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Kissimmee market

Seller’s marketLeans buyer — 7.0 months of inventoryBuyer’s market

$355K → $350K

Kissimmee median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

186 of 400

Kissimmee actives have cut their price

Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 16% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →

Paper trail

This home's history

Oct 29, 2026Listed at $390,000 · 9 days on market since
2001Built · CUMBRIAN LAKES RESORT PH 1

Reality check

What actually sold near 4819 CUMBRIAN LAKES DRIVE

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

4611 CUMBRIAN LAKES DRIVESold · Jun ’26

$355,000

4611 CUMBRIAN LAKES DRIVE · same community

3 bd · 2 ba · 1,408 sqft · $252/sqft · 70 DOM

4645 CUMBRIAN LAKES DRIVESold · Mar ’26

$450,000

4645 CUMBRIAN LAKES DRIVE · same community

5 bd · 3.5 ba · 2,532 sqft · $178/sqft · 83 DOM

4626 CUMBRIAN LAKES DRIVESold · Apr ’26

$459,000

4626 CUMBRIAN LAKES DRIVE · same community

6 bd · 4.5 ba · 2,604 sqft · $176/sqft · 2 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 4819 CUMBRIAN LAKES DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4819 CUMBRIAN LAKES DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

4819 CUMBRIAN LAKES DRIVE FAQs

What would the monthly payment be for 4819 CUMBRIAN LAKES DRIVE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,659/mo — principal and interest, the actual property-tax bill, the $175/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 4819 CUMBRIAN LAKES DRIVE?+

The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4819 CUMBRIAN LAKES DRIVE?+

The most recent tax bill on record (2025) was $5,685. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 4819 CUMBRIAN LAKES DRIVE be rented short-term?+

Yes — this home sits inside Cumbrian Lakes Resort, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 4819 CUMBRIAN LAKES DRIVE?+

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 Kissimmee?+

At $390,000, this home is listed about 4% above the Kissimmee median of $375,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4819 CUMBRIAN LAKES DRIVE?+

Sunrise Elementary School (elementary), Poinciana High School (high), Kissimmee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$390,000 runs 16% above the KISSIMMEE 34746 median.

02Zoned for nightly rentals

Cumbrian Lakes Resort is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5160374.

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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