4430 RUMMELL ROAD, ST CLOUD, FL, 34769
Active140 days on marketListed Mar 4, 2026MLS #S5145075
About this home
4430 RUMMELL ROAD
Welcome to this charming 2-bedroom, 2-bath waterfront home offering exceptional versatility and future potential. No HOA, endless customization possibilities, and a motivated seller willing to assist with closing costs, this is a unique opportunity that must be seen in person to truly appreciate. The enclosed, air-conditioned patio provides the opportunity to be converted into up to two additional bedrooms, while the detached shed complete with flooring and electrical can easily serve as a home office, studio, or additional bedroom. This property offers peaceful living with direct canal frontage and a functional boat lift but still close by to local shopping, dining, schools, and major roadways. Just minutes from historic downtown St. Cloud and the beautiful Lakefront Park on East Lake Tohopekaliga, and Ralph V Chisholm Regional Park. Residents can enjoy walking trails, playgrounds, restaurants, and community events throughout the year. With easy access to Kissimmee, Lake Nona, Orlando International Airport, and major highways including the Florida Turnpike, this home offers both convenience and lifestyle.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
900
Sqft
0.25 ac
Lot size
1970
Year built
One
Levels
$392
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 — not generic estimates.
$35,432 /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
$35,432/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.
$/sqft vs St Cloud actives
$392 vs $221
Days on market
140 vs 33 typical
Where $392/sqft sits among the 400 St Cloud 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.
Where it sits
Inside St Cloud
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
192 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4430 RUMMELL ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$346,000
103 ORANGE AVENUE · same community
3 bd · 2 ba · 1,203 sqft · $288/sqft · 32 DOM
Sold · Nov ’25$312,500
113 ORANGE AVENUE · same community
3 bd · 2 ba · 1,605 sqft · $195/sqft · 97 DOM
Sold · Aug ’25$275,000
1422 INDIANA AVENUE
2 bd · 1 ba · 916 sqft · $300/sqft · 27 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4430 RUMMELL ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4430 RUMMELL ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
4430 RUMMELL ROAD FAQs
What would the monthly payment be for 4430 RUMMELL ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $35,432/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4430 RUMMELL ROAD?+
The most recent tax bill on record (2025) was $396,451. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $353,000, this home is listed about 17% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4430 RUMMELL ROAD?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud 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
$353,000 runs 28% above the ST CLOUD 34769 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
140 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $375,000, now $353,000 — a $22K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS LEGACY REALTY · Rafael Ortiz Pena. MLS #S5145075.
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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