431 WATERWAY DRIVE, RIVER RANCH, FL, 33867
Active140 days on marketListed Mar 6, 2026MLS #TB8480698
About this home
431 WATERWAY DRIVE
Experience the ultimate Florida lifestyle at 431 Waterway Drive, a rare turnkey opportunity featuring a direct waterfront lot and RV package deal! Situated in the highly coveted Phase 5 of River Ranch RV Resort, this spacious 40x92 big-rig friendly lot is move-in ready for personal use or immediate rental income. RV: 2021 Keystone Retreat Cottage - 391MKTS | 40’8” Golf Cart: 2021 Yamaha 6 Seater | GAS. A true boater’s dream, the property includes a private dock with direct access to the world-class Kissimmee Chain of Lakes. The expansive outdoor living space is anchored by a massive custom pavilion for all-weather camping, complemented by multiple seating areas, mature shade trees, and a full-sized storage shed. This premium lot offers enhanced privacy with a common area directly across the street, ensuring no immediate front neighbors. River Ranch is Florida’s premier luxury RV destination located just one hour south of Orlando. The all-inclusive $942 quarterly HOA covers water, sewer, cable, internet, lawn care, trash, and 24/7 gated security. Owners enjoy exclusive access to a private lounge, billiards, poker room, and fitness center, while the resort offers endless entertainment including weekly live rodeos, a saloon with live bands, a waterpark, petting farm, and an adventure park. On-site dining options range from fine dining at the Chop House to waterfront BBQ and a Starbucks-serving coffee shop. Whether you are a snowbird or an investor, this pet-friendly paradise with no RV restrictions is a perfect fit.
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.
$2,938 /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
$2,938/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 122% above the RIVER RANCH 33867 median. See the full River Ranch market guide →
Paper trail
This home's history
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 431 WATERWAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 431 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
431 WATERWAY DRIVE FAQs
What would the monthly payment be for 431 WATERWAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,938/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 431 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 431 WATERWAY DRIVE?+
The most recent tax bill on record (2025) was $2,298. 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 431 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 $359,000, this home is listed about 158% 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 431 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.
Listing courtesy of FUTURE HOME REALTY INC · Michelle Chandler. MLS #TB8480698.
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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