4806 CUMBRIAN LAKES DRIVE, KISSIMMEE, FL, 34746
Active6 days on marketListed Aug 3, 2026MLS #S5154747
About this home
4806 CUMBRIAN LAKES DRIVE
Virtually Staged. Short Sale. One or more photos have been virtually staged. Welcome to this beautiful home located in the exclusive gated community of Cumbrian Lakes, one of Kissimmee's most sought-after neighborhoods for short-term vacation rentals and investment properties. This spacious home features an open-concept floor plan, making it ideal as a primary residence, vacation home, or income-producing investment property. The heart of the home is the well-appointed kitchen, featuring stainless steel appliances, a large breakfast island, and seamless flow into the living room, dining area, and covered lanai—creating the perfect space for entertaining. Step outside to your private screened pool, where you can relax and enjoy Florida's year-round sunshine. High ceilings fill the home with abundant natural light, while the split-bedroom floor plan provides added privacy. The garage has been professionally converted into a climate-controlled living space with air conditioning and heating, adding approximately 440 square feet of additional living area—ideal for a game room, home office, fitness room, or flexible living space. The spacious primary suite offers direct access to the lanai and pool and features an en-suite bathroom with a garden tub, separate walk-in shower, and walk-in closet. Bedrooms two and three share a Jack-and-Jill bathroom, while the fourth bedroom is conveniently located near another full bathroom. An additional half bathroom and an outdoor poolside shower provide extra convenience for family and guests. The covered lanai includes a ceiling fan and lighting, making it the perfect place to enjoy outdoor living throughout the year. Lawn maintenance is included in the HOA fee, offering added convenience and low-maintenance ownership. Ideally located just minutes from Walt Disney World, Universal Orlando Resort, SeaWorld Orlando, shopping, dining, major highways, and the SunRail station, this property offers exceptional convenience and accessibility. Cumbrian Lakes is a highly desirable gated community that allows short-term rentals, making it an outstanding opportunity for investors seeking strong rental potential or buyers looking for a vacation home in the heart of Central Florida. Don't miss this exceptional opportunity to own a property in one of Kissimmee's premier vacation rental communities!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
1,836
Sqft
0.14 ac
Lot size
2004
Year built
One
Levels
$231
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.
$3,543 /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
$3,543/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
−2.7%
$/sqft vs Kissimmee actives
$231 vs $209
Days on market
6 vs 54 typical
Where $231/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
1,251
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 → $359K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
175 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 23% above the KISSIMMEE 34746 median. See the full Kissimmee market guide →
Paper trail
This home's history
Reality check
What actually sold near 4806 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 4806 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 4806 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
4806 CUMBRIAN LAKES DRIVE FAQs
What would the monthly payment be for 4806 CUMBRIAN LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,543/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 4806 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 4806 CUMBRIAN LAKES DRIVE?+
The most recent tax bill on record (2024) was $6,216. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4806 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 4806 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 $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4806 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
$424,999 runs 23% 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.
04Fresh on the market
Only 6 days on market in a Kissimmee market that averages 54 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS LEGACY REALTY · Iris Rivas. MLS #S5154747.
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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