
4819 CUMBRIAN LAKES DRIVE, KISSIMMEE, FL, 34746
Active9 days on marketListed Oct 29, 2026MLS #S5160374
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
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.
$3,659 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,659/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.
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.
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
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
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,100/mo median
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Kissimmee 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
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.
Sold · Jun ’26$355,000
4611 CUMBRIAN LAKES DRIVE · same community
3 bd · 2 ba · 1,408 sqft · $252/sqft · 70 DOM
Sold · Mar ’26$450,000
4645 CUMBRIAN LAKES DRIVE · same community
5 bd · 3.5 ba · 2,532 sqft · $178/sqft · 83 DOM
Sold · 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.
Your agent
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 4819 CUMBRIAN LAKES DRIVE — start here.

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.
Keep looking
Similar homes nearby
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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