4647 CUMBRIAN LAKES DRIVE, KISSIMMEE, FL, 34746
Active0 days on marketListed Aug 13, 2026MLS #O6433007
About this home
4647 CUMBRIAN LAKES DRIVE
Exceptional turnkey opportunity in a highly desirable, gated short-term rental community in Kissimmee, Florida. This pristine 4-bedroom, 3.5-bathroom residence features direct rear pond frontage and a private, screened-in heated pool complete with an outdoor shower and a convenient pool half-bath. The property boasts significant capital improvements, including new roof replacement in 2023, a new pool heater, a HVAC system replaced in 2019, new bathroom floor in one of the full bath. The spacious split-floor plan opens with an inviting foyer leading to a generous living room and dining area, perfectly positioned parallel to a well-appointed kitchen and dinette?all offering serene pool. The private primary suite features double sink, a walk-in shower, and a separate garden tub. For added entertainment value, the garage has been fully converted into an air-conditioned game room featuring custom flooring and dedicated cooling. Including an electric vehicle (EV) charging station, smart TVs in all bedrooms, and updated furnishings throughout. Currently on Airbnb, sold-as-is, the price already included furnishings. Located near MCO, attractions. Come see this gem!!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
1,830
Sqft
0.12 ac
Lot size
2
Garage
2001
Year built
One
Levels
$262
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.
$3,911 /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
$3,911/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
+12.9%
Days on market
0 vs 55 typical
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 → $350K
Kissimmee median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
Median sold price, Kissimmee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% above the KISSIMMEE 34746 median. See the full Kissimmee 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4647 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 4647 CUMBRIAN LAKES DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4647 CUMBRIAN LAKES DRIVE FAQs
What would the monthly payment be for 4647 CUMBRIAN LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,911/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 4647 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 4647 CUMBRIAN LAKES DRIVE?+
The most recent tax bill on record (2025) was $6,460. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4647 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 4647 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 $479,999, this home is listed about 27% above the Kissimmee median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4647 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
$479,999 runs 39% 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
Listed today in a Kissimmee market that averages 55 — if it fits, move quickly.
Listing courtesy of EXP REALTY LLC · Emma Le. MLS #O6433007.
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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