4774 CUMBRIAN LAKES DRIVE, KISSIMMEE, FL, 34746
Active147 days on marketListed Mar 8, 2026MLS #S5145366
About this home
4774 CUMBRIAN LAKES DRIVE
FULLY PAID SOLAR PANELS FOR THE NEW BUYER, CLOSING COST CONTRIBUTION FOR BUYER EXPENSES AND PREPAIDS OFFERED! NEWER ROOF AND A/C! Welcome to this beautiful home located at 4774 Cumbrian Lakes Dr, Kissimmee, nestled inside the desirable gated community of Cumbrian Lakes with low HOA fees and a peaceful, private atmosphere. Fully paid solar panels at closing, maximizing your electricity savings! This spacious 4-bedroom, 3.5-bathroom single-family pool home offers an excellent floor plan and additional flexibility with a converted garage that includes an extra bedroom and full bathroom, perfect for guests, extended family, or additional living space. The home features upgraded flooring throughout, along with a modern kitchen and bathrooms finished with elegant stone countertops. Step outside to enjoy your heated private pool, ideal for relaxing or entertaining year-round in Florida’s beautiful weather. Major updates provide peace of mind, including a brand-new roof, HVAC system replaced just one year ago, and fresh interior paint. Conveniently located just minutes from world-famous theme parks, shopping, dining, and schools, yet tucked away inside a quiet and tranquil gated community, this home offers the perfect combination of location, comfort, and value. Garage has been converted to living space to maximize the space under A/C! Whether you're looking for a primary residence, vacation home, or investment property, this exceptional property is a must-see.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
1,830
Sqft
0.13 ac
Lot size
2
Garage
2004
Year built
One
Levels
$232
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.
$3,526 /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
$3,526/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
+1.4%
$/sqft vs Kissimmee actives
$232 vs $207
Days on market
147 vs 45 typical
Where $232/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 · projected
$46,775/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,150/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
$369K → $358K
Kissimmee median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
169 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 22% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 4774 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 · Jul ’26$435,000
4765 CUMBRIAN LAKES DRIVE · same community
4 bd · 3.5 ba · 1,830 sqft · $238/sqft · 3 DOM
Sold · Aug ’25$432,000
4809 CUMBRIAN LAKES DRIVE · same community
4 bd · 3 ba · 1,874 sqft · $231/sqft · 83 DOM
Sold · Dec ’25$437,500
4812 CUMBRIAN LAKES DRIVE · same community
5 bd · 3.5 ba · 2,505 sqft · $175/sqft · 57 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 4774 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 4774 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
4774 CUMBRIAN LAKES DRIVE FAQs
What would the monthly payment be for 4774 CUMBRIAN LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,526/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 4774 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 4774 CUMBRIAN LAKES DRIVE?+
The most recent tax bill on record (2025) was $6,013. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4774 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 4774 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 $424,999, this home is listed about 12% above the Kissimmee median of $379,850. The market section on this page shows how the area is trending.
Which schools are assigned to 4774 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
Five things that matter here
01Positioned at the premium end
$424,999 runs 22% 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.
04Time on market is leverage
147 days on market against a Kissimmee median of 45 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $429,999, now $424,999 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MELENTREE REALTY LLC · Gabe Porfilio. MLS #S5145366.
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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