4706 CUMBRIAN LAKES DRIVE, KISSIMMEE, FL, 34746
Active50 days on marketListed Jun 19, 2026MLS #O6418381
About this home
4706 CUMBRIAN LAKES DRIVE
Welcome to your private Florida retreat! This beautifully maintained 4-bedroom, 3-bathroom pool home is perfectly situated on a serene conservation lot in the sought-after gated community of Cumbrian Lakes—offering both tranquility and convenience. Step inside to discover a bright, open floor plan designed for comfortable living and effortless entertaining. The spacious living and dining areas flow seamlessly into the well-appointed kitchen, complete with ample cabinetry, and a breakfast nook overlooking the pool. The split-bedroom layout provides added privacy, with a generous primary suite featuring direct pool access, a large walk-in closet, and an en-suite bath with dual vanities, a soaking tub, and separate shower. Three additional bedrooms offer plenty of space for family, guests, or a home office. Outdoor living is where this home truly shines. Enjoy the Florida lifestyle year-round with your screened-in pool and spa, perfect for relaxing or entertaining—all while taking in peaceful conservation views with no rear neighbors. Located just minutes from Disney World, shopping, dining, and major highways, this home offers the best of both worlds—peaceful surroundings with easy access to everything Central Florida has to offer. Whether you're looking for a primary residence, vacation getaway, or income-producing property, this is an opportunity you don’t want to miss!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,902
Sqft
0.14 ac
Lot size
2
Garage
2003
Year built
One
Levels
$216
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.
$3,436 /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
$3,436/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
−4.1%
$/sqft vs Kissimmee actives
$216 vs $209
Days on market
50 vs 55 typical
Where $216/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)
174 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 19% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 4706 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$425,000
4678 CUMBRIAN LAKES DRIVE · same community
4 bd · 3.5 ba · 2,532 sqft · $168/sqft · 27 DOM
Sold · Jun ’26$455,000
4663 CUMBRIAN LAKES DR · same community
5 bd · 3.5 ba · 2,572 sqft · $177/sqft · 37 DOM
Sold · Jun ’26$360,000
4165 BABBLING BROOK WAY
4 bd · 2 ba · 1,843 sqft · $195/sqft · 10 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 4706 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 4706 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
4706 CUMBRIAN LAKES DRIVE FAQs
What would the monthly payment be for 4706 CUMBRIAN LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,436/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 4706 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 4706 CUMBRIAN LAKES DRIVE?+
The most recent tax bill on record (2025) was $6,071. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4706 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 4706 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 $410,000, this home is listed about 8% above the Kissimmee median of $379,395. The market section on this page shows how the area is trending.
Which schools are assigned to 4706 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
$410,000 runs 19% 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 RE/MAX PRIME PROPERTIES · Paul Donovan. MLS #O6418381.
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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