451 WATERWAY DRIVE, RIVER RANCH, FL, 33867
Active185 days on marketListed Jan 20, 2026MLS #TB8464988
About this home
451 WATERWAY DRIVE
WATERFRONT RV LOT FOR SALE! Experience the pinnacle of "Cowboy Luxury" with this Direct Waterfront RV Lot at 451 Waterway Dr! Situated in the highly sought-after Phase 5 of River Ranch RV Resort, this 40x92 lot offers a rare opportunity for both personal enjoyment and turnkey rental income. This RV Lot is a Boater's Dream and includes a private dock with several seating areas and room to improve and provides direct access to the Kissimmee Chain of Lakes. Spacious & Shaded: This big-rig friendly lot features a beautiful canopy of oak trees, offering the perfect blend of sun and shade. Privacy: Strategically located with common area directly across the street, ensuring added privacy and no immediate neighbors in front. Room to Grow: Ample space for outdoor dining and the potential to add a custom pavilion or outdoor kitchen. Resort Amenities: River Ranch is Florida’s premier luxury RV destination, located just 1 hour south of Orlando. Owners enjoy access to an Owners Lounge, Billiards Room, Poker Room, Fitness Center and More! Endless Entertainment: Weekly live rodeos, a family-friendly saloon with live bands, and line dancing. Family Fun: Waterpark, petting farm, airboat rides, mini-golf, and a full adventure park. On-Site Dining: Fine dining at the Chop House, waterfront BBQ at the Smokehouse Grill, and a Starbucks-serving coffee shop. Investment Opportunity: With Seller Financing Offered, this lot is an accessible investment in a high-demand vacation destination. The low-maintenance lifestyle is supported by a $942/quarter HOA that covers water, sewer, cable, internet, lawn care, trash, and 24/7 security. This pet-friendly resort has no RV restrictions, making it perfect for weekenders or snowbirds.
Facts & features
The home at a glance
0.07 ac
Lot size
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.
$2,312 /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
$2,312/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.
Where it sits
Inside River Ranch
Get to know River Ranch. See the full River Ranch guide →
RIVER RANCH 33867 — neighborhood snapshot
Population
64
Median age
69.8
Avg household
1.21
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The River Ranch market
$237K → $181K
River Ranch median sold, yr/yr
92.8%
Sale-to-list ratio (12 mo)
Median sold price, River Ranch, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 64% above the RIVER RANCH 33867 median. See the full River Ranch market guide →
Paper trail
This home's history
Reality check
What actually sold near 451 WATERWAY 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$160,000
47 PALAMINO PATH
1 bd · 1 ba · 480 sqft · $333/sqft · 81 DOM
Sold · Jun ’26$142,000
3200 RIVER RANCH BOULEVARD UNIT 303
1 bd · 1 ba · 555 sqft · $256/sqft · 233 DOM
Sold · Oct ’25$162,000
3200 RIVER RANCH BOULEVARD UNIT 204
1 bd · 1 ba · 629 sqft · $258/sqft · 388 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 451 WATERWAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 451 WATERWAY 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
451 WATERWAY DRIVE FAQs
What would the monthly payment be for 451 WATERWAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,312/mo — principal and interest, the actual property-tax bill, the $314/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 451 WATERWAY DRIVE?+
The association fee works out to $314 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 451 WATERWAY DRIVE?+
The most recent tax bill on record (2025) was $1,864. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 451 WATERWAY 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 River Ranch?+
At $265,900, this home is listed about 91% above the River Ranch median of $139,000. The market section on this page shows how the area is trending.
Which schools are assigned to 451 WATERWAY DRIVE?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Michelle Chandler. MLS #TB8464988.
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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