4602 CUMBRIAN LAKES DRIVE, KISSIMMEE, FL, 34746
Active64 days on marketListed Jun 3, 2026MLS #O6412906
About this home
4602 CUMBRIAN LAKES DRIVE
Welcome to 4602 Cumbrian Lakes Drive, a beautifully maintained and fully furnished 5-bedroom, 5-bathroom pool home located in the gated Cumbrian Lakes community, just minutes from Walt Disney World, shopping, dining, and Central Florida’s top attractions. Originally built as the community’s model home, this spacious residence offers over 2,600 square feet of living space with soaring vaulted ceilings, an open and functional floor plan, and a premium conservation lot with peaceful nature preserve views and no rear neighbors. The community features scenic walking trails through the preserve, including a charming bridge overlooking the pond, providing the perfect setting to enjoy Florida’s natural beauty. Recent upgrades provide exceptional value and peace of mind, including a new Carrier A/C system and furnace (2024), roof replacement (2018), pool heater (2025), updated GFI outlets with USB ports (2024), luxury vinyl flooring, fresh interior and exterior paint, new pool enclosure screens, keyless entry, security system, and new televisions throughout. The thoughtfully designed floor plan features two bedrooms on the first floor, while upstairs you'll find the expansive primary suite complete with a spacious ensuite bathroom, dual closets, and a huge private balcony overlooking the conservation area, along with two additional guest bedrooms. The kitchen is equipped with stainless steel appliances and a breakfast area, while the generous living and dining spaces are ideal for entertaining and everyday living. Step outside to your private screened-in pool retreat featuring a child safety fence, outdoor shower, convenient pool bath, and newly installed grab bar. Short-term rentals are permitted, making this property an excellent primary residence, vacation getaway, or income-producing investment opportunity. For qualified buyers, the existing VA loan assumes at 5.75%, an attractive interest rate, subject to lender approval and buyer qualification.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,636
Sqft
0.14 ac
Lot size
2
Garage
2001
Year built
Two
Levels
$196
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.
$3,634 /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
$3,634/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
+4.7%
$/sqft vs Kissimmee actives
$196 vs $209
Days on market
64 vs 53 typical
Where $196/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.
The Kissimmee short-term market
▼ Softening50%
Occupancy
▼ 32% yr/yr
$296
Avg nightly rate
▲ 15% yr/yr
$35K/yr
Revenue per listing
$148
RevPAR
63 days
Booking lead time
5.5 nights
Avg stay
3
Typical min nights
10,047
Active rentals
▲ 12% supply
Seasonality — monthly occupancy
Peaks at 58% in Feb · bottoms at 38% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Kissimmee — the projection above is specific to this home’s size.
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
1,251
Median age
39
Median income
$67,353
Median home value
$280,200
Avg household
3
Households w/ children
111
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
$365K → $350K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
167 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 48% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 4602 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 · Apr ’26$459,000
4626 CUMBRIAN LAKES DRIVE · same community
6 bd · 4.5 ba · 2,604 sqft · $176/sqft · 2 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 · Aug ’25$380,000
1201 CUMBRIAN LAKES COURT · same community
3 bd · 2 ba · 1,408 sqft · $270/sqft · 21 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4602 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 4602 CUMBRIAN LAKES DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4602 CUMBRIAN LAKES DRIVE FAQs
What would the monthly payment be for 4602 CUMBRIAN LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,634/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 4602 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 4602 CUMBRIAN LAKES DRIVE?+
The most recent tax bill on record (2025) was $323. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4602 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 4602 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 $517,000, this home is listed about 36% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4602 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
Four things that matter here
01Positioned at the premium end
$517,000 runs 48% above the KISSIMMEE 34746 median — but at 2,636 sqft it's also 46% larger than the typical Kissimmee listing.
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.
04The price has already moved
Listed at $522,500, now $517,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX 200 REALTY · Abby Nelson. MLS #O6412906.
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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